Indian Government Savings Schemes: PPF, SSY, NPS, EPF, SCSS, NSC and More

India offers several government and statutory savings schemes with tax benefits and sovereign guarantee. Here’s a quick overview and where to use our free calculators.

• PPF – 15-year tax-free; min ₹500, max ₹1.5L/year. PPF Calculator
• SSY – Girl child; maturity at 21 years; tax-free. SSY Calculator
• NPS – Market-linked pension; 60% lump sum tax-free at 60. NPS Calculator
• EPF – For salaried; 12%+12%; tax-free. EPF Calculator
• SCSS – For 60+; quarterly interest; max ₹30L. SCSS Calculator
• NSC – 5-year fixed; 80C; interest taxable. NSC Calculator
• APY – Guaranteed pension ₹1K–₹5K at 60. APY Calculator
• KVP – Amount doubles in ~9y 7m. KVP Calculator
• Post Office MIS – Monthly interest; single ₹9L, joint ₹15L. POMIS Calculator
• Post Office RD – Monthly deposit; 5-year. Post Office RD Calculator
• Post Office TD – 1–5 year FD; 5Y for 80C. Post Office TD Calculator

Each calculator page includes rules on how to open, how to close, and premature withdrawal. Start from our home page or India Savings Schemes category.