Money Saving Schemes explains India's post office savings schemes in plain words: what each one pays, the rules that matter, and how to choose between them. We built it because the official rule books are accurate but hard to read, and many family members end up asking the same questions at the counter.
What you will find here
- One page for every scheme and every common question about it, from SCSS age limits to NSC tax.
- Calculators for MIS, SCSS, NSC, KVP, FD, RD and PPF that run on your phone and store nothing.
- A rate strip that shows the current quarter's rates on every page.
What we are not
Money Saving Schemes is an independent website. We are not India Post, the Department of Posts, the Ministry of Finance or any bank, and we do not sell any scheme, take deposits or ask for personal details. To open an account, visit your post office or use the official India Post services.
How we keep pages accurate
Rates come from the Finance Ministry's quarterly notice and scheme rules from the official notifications. Each page is checked when rates are announced. Read our editorial policy and how we write for the details, and contact us if you spot something wrong.