Post Office Savings Schemes Calculator
Maturity value and interest for Post Office TD, RD, MIS, SCSS, NSC and KVP at the rates for October–December 2026.
About Post Office Savings Schemes Calculator
This free post office scheme calculator works out returns from Post Office Time Deposits, Recurring Deposit, Monthly Income Scheme, Senior Citizens Savings Scheme, National Savings Certificate and Kisan Vikas Patra at the interest rates for October to December 2026.
Pick a scheme and enter the amount to see the monthly, quarterly or yearly interest, the maturity value and date, and the deposit limits that apply. A rate table lists all small savings schemes, including PPF and Sukanya Samriddhi, from the Ministry of Finance notification. It runs in your browser.
How to use Post Office Savings Schemes Calculator
- Pick a scheme.
- Enter the amount you will deposit (the monthly amount for RD) and, for TD, the term.
- Read the interest you will receive, when it is paid and the maturity value.
- Check the current rate table for all small savings schemes.
Frequently asked questions
What are the Post Office interest rates for October–December 2026?
Savings account 4.0%, Time Deposit 6.9% (1 yr), 7.0% (2 yr), 7.1% (3 yr), 7.5% (5 yr), RD 6.7%, MIS 7.4%, SCSS 8.2%, NSC 7.7%, KVP 7.5% (matures in 115 months), PPF 7.1% and Sukanya Samriddhi 8.2%. The Ministry of Finance kept them unchanged from July–September 2026.
How is interest worked out?
TD interest is compounded quarterly and paid every year. RD is compounded quarterly. NSC and KVP compound yearly and pay at maturity. MIS pays every month and SCSS every quarter, without compounding. The rate fixed when you invest applies for the whole term.
Which schemes save tax?
Deposits in the 5-year TD, NSC and SCSS qualify for section 80C (old regime only). Interest is taxable in every scheme except PPF and Sukanya Samriddhi; NSC interest is deemed reinvested and also qualifies for 80C each year except the last.
What are the deposit limits?
MIS: up to ₹9 lakh single or ₹15 lakh joint. SCSS: up to ₹30 lakh, for people aged 60 or above (55 for those retiring early, 50 for defence retirees). TD, RD, NSC and KVP have no upper limit (minimum ₹1,000; RD from ₹100 a month).
What is the post office FD rate now?
For October–December 2026 the Post Office Time Deposit pays 6.9% for 1 year, 7.0% for 2 years, 7.1% for 3 years and 7.5% for 5 years.
How much monthly income will I get from ₹9 lakh in MIS?
At 7.4%, ₹9 lakh in the Post Office Monthly Income Scheme pays ₹5,550 a month for five years.
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