Government Saving Scheme Calculators

About Indian Small Savings Scheme Calculators

These calculators help you evaluate government-backed saving & pension options. Compare tax efficiency, cash flow style (lump-sum vs periodic income), compounding method and lock-in periods to build a diversified fixed-income allocation.

• Safety: Sovereign backed or administered through post offices / nationalised banks.
• Tax Treatment: Some enjoy EEE (PPF, SSY) while others are taxable on interest (SCSS, MIS).
• Cash Flow Choice: Growth oriented (PPF, SSY, KVP, NSC) vs income oriented (SCSS, MIS, Annuity).
• Inflation Hedge: Blend fixed return schemes with market-linked (NPS, mutual funds) for real wealth protection.

Disclaimer: Simplified illustrative computations. Refer to official notifications for rate changes & detailed rules.