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Category 12
PPF, EPF, NSC, Sukanya, and other government savings.
11 TOOLS
15-year statutory scheme with 5-year block extensions; monthly interest on min balance between 5th and end of month @ 7.1% EEE
8.2% annual compound interest; 15-year deposit window with 21-year maturity from opening for girl child (EEE status)
Employee (12%) + Employer (3.67% EPF + 8.33% EPS capped at ₹1,250) + EPFO declared interest (8.25%) compounding
Age × Guaranteed pension matrix (₹1,000 to ₹5,000/month after age 60) determining monthly contribution
8.2% p.a. quarterly interest payout on 5-year lock-in (extendable by 3 years); statutory cap ₹30 Lakhs
5-year lock-in, 7.7% p.a. compounded annually with deemed Section 80C reinvestment benefits
Doubles initial capital in 115 months (~9.58 years) at government-notified 7.5% annual rate
7.4% p.a. monthly cash payout; single account max ₹9 Lakhs, joint account max ₹15 Lakhs
2-year fixed deposit for women/girls @ 7.5% p.a. compounded quarterly; max deposit ₹2 Lakhs
Calculates maturity with monthly, quarterly, half-yearly, and annual compounding frequencies and payout options
Computes recurring deposits using quarterly compounding on monthly instalments per Indian banking/post office rules