Every Indian savings scheme — a calculator and a straight-talking guide
PPF, fixed deposits, RD, Sukanya, SCSS, NSC, KVP and more — each with a live calculator and a plain-English guide covering how it works, the tax, eligibility and the current rate. Verified for 2026, no jargon.
Bank & Small Savings
Guaranteed-return staples — PPF, FDs, RD, Sukanya, SCSS, NSC, KVP.
A 15-year, government-backed, fully tax-free savings scheme.
The classic FD — choose regular interest payout (TDR) or compounding (STDR).
Save a fixed amount every month at a fixed rate — disciplined, guaranteed saving.
The highest-rate small-savings scheme — for a girl child's education and marriage.
Quarterly income at 8.2% for those 60 and above — capital fully secure.
A 5-year, fixed-rate certificate with an 80C tax break — no upper limit.
Doubles your money in a fixed number of months — simple and guaranteed.
Retirement & Pension
Build a pension — NPS, EPF, Atal Pension, Gratuity.
A low-cost, market-linked pension — build a corpus, then draw a lifelong pension.
The salaried retirement default — 12% of you, 12% of your employer, at 8.25%.
A guaranteed ₹1,000–₹5,000 monthly pension for the unorganised sector.
A lump-sum reward for long service — (15 ÷ 26) × last salary × years.
An assured 50% pension for central government employees — live from April 2025.
Bonds & Tax
RBI bonds, 54EC capital-gains bonds, gold, and the tax basics.
A sovereign bond paying one of the highest safe rates — 8.05%, reset every 6 months.
Gold in paper form with 2.5% extra interest — but no new issues are being sold.
Save tax on property/asset capital gains by parking up to ₹50 lakh for 5 years.
The two regimes, the slabs, and how income up to ₹12 lakh can be tax-free.
How gains on shares, funds, property and gold are taxed after the 2024 overhaul.
Insurance
Protection first — term, personal accident and health cover.
The cheapest, purest life cover — a large sum for your family if you're not around.
Cheap cover for death or disability from an accident — the gap term & health leave.
Protect your savings from hospital bills — the cover every family needs first.