Small Savings Schemes Calculator
Calculate maturity for PPF, NSC, and KVP with current interest rates.
Maximum ₹1.5 Lakh per year
Leave blank to use current rate (7.1%)
Popular Government Small Savings Schemes
Public Provident Fund (PPF)
A long-term savings scheme with a 15-year tenure (extendable). It offers tax-free interest and maturity (EEE status). The current interest rate is around 7.1%. Maximum annual contribution is ₹1.5 lakh.
National Savings Certificate (NSC)
A 5-year fixed income instrument. Interest is taxable but reinvested. Good for those in lower tax brackets looking for safety.
Kisan Vikas Patra (KVP)
A savings scheme where your investment doubles over a fixed period (currently ~9 years 7 months). Interest is taxable.
Frequently Asked Questions
What is the current PPF interest rate?
The PPF interest rate is reviewed every quarter by the Government. As of FY 2025-26, it is 7.1% per annum (compounded annually).
Is PPF interest and maturity tax-free?
Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) status. Contributions (up to ₹1.5 lakh), interest, and maturity amount are all tax-free.
What is the difference between NSC and KVP?
NSC has a 5-year tenure with interest taxable every year. KVP has a longer tenure (~9 years 7 months) and also has taxable interest, but it doubles your investment.
Can I extend my PPF account after 15 years?
Yes. After the initial 15-year tenure, you can extend your PPF account in blocks of 5 years with or without further contributions.