PPF, NSC, SCSS, SSY, KVP, POMIS, Recurring Deposits — India’s government savings schemes offer genuinely strong, sovereign-backed returns, but picking the right one for your actual situation isn’t obvious from a rate table alone. Four questions, no sign-up, a real recommendation at the end.
[Answer the 4 questions above ↑] to see which scheme genuinely fits you, with a direct link to that scheme’s full calculator.
Every recommendation is based on logic we’re genuinely using — your situation (age, family), your actual goal, and how long you can realistically leave the money untouched. For the full picture across every scheme’s current rate, see our complete post office interest rates comparison.
Is this tool affiliated with any bank or post office?
No — this is an independent recommendation based on publicly available scheme rules and current rates, not a sales tool for any product.
Can I get a different recommendation if my situation is mixed?
Yes — click “Start Over” to try different answers, or read the full comparison guide linked above for a more complete picture.
Does this tool store my answers?
No — nothing you enter is saved or sent anywhere; it runs entirely in your browser.
