Post Office Savings & APY Calculator (Q1 FY 2026-27)
Maturity and income from the government’s small-savings schemes at the current April-June 2026 rates – SCSS (8.2%), NSC (7.7%), KVP (7.5%), Post Office MIS (7.4%) – plus the Atal Pension Yojana contribution finder. Verified by a practising CA.
| Scheme | Rate | Tenure | Key feature |
|---|---|---|---|
| Senior Citizen Savings Scheme (SCSS) | 8.2% | 5 years | Quarterly payout; max Rs 30 lakh; for age 60+ |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | 21 years | Girl child; highest small-savings rate |
| National Savings Certificate (NSC) | 7.7% | 5 years | Compounded yearly, paid at maturity |
| Kisan Vikas Patra (KVP) | 7.5% | 115 months | Investment doubles |
| Post Office Monthly Income Scheme (MIS) | 7.4% | 5 years | Fixed monthly income |
| Public Provident Fund (PPF) | 7.1% | 15 years | Fully tax-free (EEE) |
| Post Office Time Deposit (5-yr) | 7.5% | 5 years | 80C benefit on 5-year TD |
The Ministry of Finance kept all small-savings rates unchanged for the April-June 2026 quarter (announced 30 March 2026), despite the RBI repo cuts through 2025. Rates are reviewed every quarter, so the rate you lock in – especially for SCSS, NSC, KVP and the 5-year TD – stays fixed for that instrument’s full term once invested.
SCSS, NSC, KVP and POMIS interest is fully taxable at your slab (TDS applies on SCSS and MIS above the threshold). SCSS and the 5-year NSC / 5-year TD investments qualify for the Rs 1.5 lakh deduction (old Section 80C, now Section 123) – old regime only. NSC interest, being reinvested each year except the last, itself qualifies for 80C in those years. Only PPF and SSY are fully tax-free. KVP gives no deduction and fully taxable interest – it is a safety/doubling product, not a tax-saver.
APY guarantees a fixed monthly pension of Rs 1,000 to Rs 5,000 from age 60. The earlier you join, the smaller the monthly contribution – someone joining at 18 pays a fraction of what a 40-year-old pays for the same pension, because contributions compound for longer. On the subscriber’s death the spouse continues the pension, and on both deaths the accumulated corpus (Rs 1.7 lakh to Rs 8.5 lakh) returns to the nominee. The scheme was extended to FY 2030-31 by the Union Cabinet in January 2026.