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HQ8T

Post Office Calculator

NSC, KVP, MIS, SCSS and time deposit returns.

Scheme
₹1 Lakh
₹
% a year

Rate for FY 2025-26. Rates are reviewed every quarter.

Deposit
₹1,00,000
₹1 Lakh
Interest earned
₹44,903
5 years
Maturity amount
₹1,44,903
₹1.45 Lakh

Interest is compounded yearly and paid at maturity. Deposits count for Section 80C (old regime); interest is taxable.

How to use

  1. 1Choose a scheme: NSC, KVP, MIS, SCSS or Time Deposit.
  2. 2Enter the amount you want to deposit.
  3. 3Check the interest rate (filled in with the current rate).
  4. 4See the maturity amount, or the monthly or quarterly income.

Frequently asked questions

Which post office scheme gives the highest return?

For FY 2025-26, SCSS and Sukanya Samriddhi pay 8.2%, NSC 7.7%, and KVP and the 5-year time deposit 7.5%. SCSS is only for senior citizens.

How long does KVP take to double money?

At 7.5% a year, Kisan Vikas Patra doubles your money in 115 months (9 years 7 months).

How much monthly income does MIS give?

At 7.4%, ₹9 lakh in a single account pays about ₹5,550 a month for 5 years, and your ₹9 lakh is returned at the end.

Is post office interest taxable?

Yes, for NSC, KVP, MIS, SCSS and time deposits. NSC, SCSS and the 5-year time deposit qualify for Section 80C in the old regime.

Are these rates fixed for the whole term?

Yes. The rate on the day you invest is locked in for these schemes, even if later rates change.

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