Government Scheme Calculators — Paisa Kitna Banega?
PPF, SSY, NPS, APY se lekar Post Office RD-FD tak — har sarkari saving aur pension scheme ka maturity, monthly contribution, tax benefit, aur real return aap khud calculate kar sakte hain. Sare calculators official rates ke saath, bina kisi sign-up ke.
🎯 Konsa Calculator Aapke Liye?
Aapki situation ke hisaab se sahi scheme chunne ke liye yahan se shuru karein:
💰 Bachat (Savings) Calculators
Post Office aur bank-based saving schemes — daily-monthly contribution se lekar lump sum tak. Sabhi ke liye min/max limits aur tax status table me dekh sakte hain.
🛡️ Pension Calculators
Bharat sarkar dwara chalayi ja rahi 4 mukhya pension yojanaayein — APY aur NPS sabhi ke liye, PM-SYM aur PM-KMY specific category ke liye co-contribution ke saath.
📑 Tax Benefits · Quick Reference
Income Tax Act ke under sare scheme ki tax status. EEE = exempt-exempt-exempt (poorna tax-free), 80C limit = ₹1.5 lakh combined annual.
| Scheme | Section | Investment | Interest | Maturity | Status |
|---|---|---|---|---|---|
| PPF | 80C | Exempt | Exempt | Exempt | EEE ✓ |
| SSY | 80C | Exempt | Exempt | Exempt | EEE ✓ |
| EPF | 80C | Exempt | Exempt* | Exempt | EEE ✓ |
| NPS | 80C + 80CCD(1B) | Exempt up to ₹2L | Exempt | 60% exempt, 40% annuity taxable | EET |
| SCSS | 80C | Exempt | Taxable | Tax-free | ETT |
| NSC | 80C | Exempt | Taxable (reinvested) | Tax-free | ETT |
| POTD (5-yr) | 80C | Exempt | Taxable | Tax-free | ETT |
| POMIS | — | Taxable | Taxable | Tax-free | TTE |
| KVP | — | Taxable | Taxable | Tax-free | TTE |
| RD/PORD | — | Taxable | Taxable | Tax-free | TTE |
| MSSC | — | Taxable | Taxable | Tax-free | TTE |
* EPF interest is tax-free up to ₹2.5L employee contribution per year (₹5L for govt employees). Above this threshold interest becomes taxable.
📖 Calculator Use Karne Ka Sahi Tareeka
Retirement, beti ki shaadi, ghar ki down payment — har goal ke liye time horizon alag hai. PPF aur NPS lambi avadhi ke liye, RD aur POMIS short-term ke liye behtar hain.
Apni income ka 20-30% saving aim karein. Calculator me alag-alag amounts try karke dekhein ki kis se aapka target corpus achievable hai.
Sirf maturity amount na dekhein. 80C ka deduction har saal direct tax saving deta hai. ₹1.5 lakh ko apne tax slab se multiply karein — wahi aapka real return upar wala hai.
India ki long-term inflation 5-6% rehti hai. Agar aapka post-tax return iss se kam hai, real terms me aap paisa kho rahe hain. PPF aur SSY abhi inflation se aage hain.
Government quarterly basis pe small savings rates revise karti hai (March 31, June 30, September 30, December 31). Naya quarter shuru hone par calculator ko refresh karke fir se check karein.
⚠️ Calculator Use Karte Waqt Ye Galtiyan Avoid Karein
- Sirf interest rate dekhna: 8.2% SSY tab faayedemand hai jab aapki beti 10 saal se kam ki ho. NPS ka 10% market-linked return guaranteed nahi hai — wo equity market ke upar depend karta hai.
- Lock-in ignore karna: PPF 15 saal lock-in hai, partial withdrawal sirf 7th year ke baad. Emergency funds kabhi PPF me na dalein — savings bank ya liquid fund use karein.
- Compounding frequency overlook karna: PPF aur NSC me annual compounding hoti hai. POMIS monthly payout deta hai. Compounding alag hone par calculator ka result alag aata hai — same rate par bhi.
- Tax bracket ignore karna: 30% slab wale ke liye PPF/SSY ka real return 7.1% tax-free yaani lagbhag 10.1% pre-tax equivalent hai. KVP ya POMIS ka same rate after tax sirf 5.2% reh jata hai. Bada antar hai.
- "Doubling time" ka galat matlab: KVP "paisa double" 9-10 saal me karta hai. Iska matlab 7.5% rate hai — koi magic nahi. Same rate par PPF bhi ~10 saal me double karta hai.
Iss page ke sare interest rates current quarter ke liye Ministry of Finance dwara jaari kiye gaye rates par based hain. Government quarter ke aakhri din rates revise karti hai. Source: Department of Economic Affairs, MoF.
❓ Aksar Pooche Jane Wale Sawal
Sabse zyada interest kis scheme par milta hai?
Abhi (Q4 FY2025-26) SSY aur SCSS dono 8.2% par tie hain — sabse uncha. Lekin SSY sirf 10 saal se kam beti ke naam par khulta hai, aur SCSS 60+ umar wale ke liye hai. Sabhi ke liye highest hai PPF 7.1%, jo EEE (poorna tax-free) hai.
PPF aur NPS me konsa behtar hai?
Dono ka purpose alag hai. PPF guaranteed return deta hai aur poorna tax-free hai. NPS market-linked hai — equity exposure se zyada return possible hai lekin guarantee nahi. Salaried log ke liye dono karna chahiye — PPF stable corpus ke liye, NPS section 80CCD(1B) ka extra ₹50K tax break aur retirement annuity ke liye.
Calculator ke result aur actual maturity me farak kyu hota hai?
Teen mukhya wajah hain. Pehla, government rate quarterly revise karti hai aur calculator current rate par future estimate karta hai. Doosra, compounding rounding ki actual bank ya post office calculation me chhota difference aata hai. Teesra, deposit ki date alag-alag months me hai to interest accrual change hota hai. Calculator ka estimate lagbhag 2% accurate hota hai.
Agar mai monthly amount badal du beech me, calculator galat ho jayega?
Haan. Hamare basic calculator ek constant monthly contribution assume karte hain. Agar aap stagger karna chahte hain (jaise pehle 5 saal ₹5,000 phir ₹10,000), to do alag calculations karein aur add kar lein.
NRI bhi ye scheme use kar sakte hain?
Mostly nahi. PPF, SSY, NSC, KVP, SCSS — sab residents ke liye hain. Agar account khulwane ke baad aap NRI ban gaye to existing account chal sakta hai (rules ke hisaab se), lekin naya nahi khulta. NPS ek exception hai — NRIs bhi khol sakte hain.
Calculator results ko save ya print kar sakte hain?
Har individual calculator page par browser ka Print option (Ctrl+P) saaf print preview deta hai. Calculation history server par save nahi hoti — privacy-first design hai, koi login required nahi.