Post Office FD Calculator – POTD, NSC & SCSS

📮 Post Office FD Calculator

Compare government-backed post office schemes — Time Deposits, NSC, SCSS and KVP — at the current July–September 2026 rates.

Investment Amount (₹)

Scheme POTD 1 Year — 6.9% POTD 2 Years — 7.0% POTD 3 Years — 7.1% POTD 5 Years — 7.5% (80C) NSC 5 Years — 7.7% (80C) SCSS — 8.2% (seniors, quarterly payout) KVP — 7.5% (doubles in 115 months)

Maturity Amount

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Total Interest₹0

Tenure—

Effective Annual Yield0%

Scheme Notes—

POTD interest compounds quarterly (paid annually); NSC compounds annually and pays at maturity; SCSS pays simple interest every quarter as income (age 60+, max ₹30 lakh); KVP doubles your money in 115 months. The 5-year POTD, NSC and SCSS qualify under Section 80C (old regime). Rates locked at purchase for NSC/KVP; all interest is taxable at slab. Rates are reviewed quarterly — currently unchanged for the ninth straight quarter. Estimates only.