Calculate maturity, interest, and returns for all India Post savings schemes
Start with the amount you can contribute and the timing of that contribution. A monthly deposit and a single deposit with the same number are different cash flows. Check the selected scheme, deposit frequency and duration before comparing the results.
Use the same total contribution and time horizon when comparing alternatives. If one result includes regular income and another keeps growth invested, compare the timing of those cash flows as well as the final total. Save the inputs alongside the result so that a later calculation can be reproduced.
The exact deposit date, changes to the applicable rate, rounding, missed payments and account-specific transactions can affect the final amount. A projection is a worked illustration, not a statement of an existing account balance. Review the displayed assumptions and confirm current terms with the official provider before opening or changing an account.
For the sources used by PostPay and our independent-service disclosure, see About and official sources. If a result looks wrong, report the scheme, inputs and expected result; do not include an account number or other private account information.
