Estimate SSY contributions and a long-term maturity using an editable rate.
This estimate treats the entered amount as a monthly equivalent over the selected term. Deposit-period limits, account eligibility, withdrawal conditions, extensions and tax treatment must be checked against current scheme rules.
Method: Equal monthly-equivalent contributions grow at the entered annual rate for the selected term. This is a planning model, not an eligibility or deposit-limit check.
Inputs used: Currency = INR; Monthly contribution = 5,000; Annual interest rate = 8.2 %; Investment term = 21 years
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: This estimate treats the entered amount as a monthly equivalent over the selected term. Deposit-period limits, account eligibility, withdrawal conditions, extensions and tax treatment must be checked against current scheme rules. Rounding and excluded real-world terms can make an external result differ.
India Post savings schemes · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
Equal monthly-equivalent contributions grow at the entered annual rate for the selected term. This is a planning model, not an eligibility or deposit-limit check.
A ₹5,000 monthly equivalent contribution for 21 years shows total deposits and growth separately.
Rates and scheme terms can change. Replace the default with the currently notified rate and confirm the account rules before investing.
Calculations run on your device. Review your results before exporting or sharing them.
The model shows deposits and projected growth using the rate and term you choose.
SSY eligibility, deposit years, withdrawal and maturity conditions are not decided by this page.
Published by ToolMitra — methods and editorial approach.