Sarkari schemes ka sahi hisab
PPF, NPS, SSY jaise government schemes me interest rates har quarter review hote hain. Ye calculators current notified rates par based hain.
Last updated: October 2026
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Government schemes ko samajhna: pehle niyam, phir calculator
Sarkari scheme ka sabse bada fayda ye hota hai ki uske niyam pehle se taay hote hain — kaun paisa laga sakta hai, kitna laga sakta hai, paisa kab milega aur tax kaise lagega. Lekin yehi baat log aksar aadhi padhte hain. Koi sirf interest rate dekh kar khush ho jata hai, to koi apne dost ke kehne par aisa account khol leta hai jiska paisa uske kaam ke samay par band rahega. Is category ke paanchon calculator isiliye banaye gaye hain taaki aap pehle apni sthiti ke hisab se number dekhein, phir bank ya post office jaakar account kholein.
Ek baat shuru me hi saaf kar dein — in schemes ki byaaj dar sarkar samay-samay par badalti hai. Aaj jo rate dikh raha hai, zaroori nahi ki poore 15 ya 21 saal wahi rahe. Calculator ka number ek majboot anumaan hai, koi vaada nahi. Asli faisla lete waqt apne goal ki tareekh dekhein: paisa kab chahiye, beech me nikalne ki zaroorat pad sakti hai ya nahi, aur tax ke baad haath me asal me kitna bachega.
Kaun si scheme kiske liye hai?
- Beti ke lambe goal ke liye — SSY: agar ladki ki umar 10 saal se kam hai aur aap 15 saal tak har saal kuch rakam aaram se jama kar sakte hain, to Sukanya Samriddhi Yojana wala calculator pehle kholein. Ye padhai aur bhavishya ke bade kharch ke liye bani hai, roz ke kharch ke liye nahi.
- Buzurgo ki niyamit aay ke liye — SCSS: 60 saal ke baad har teen mahine byaaj ki rakam seedha kaam aati hai. Yaha sawal kul rakam ka kam, har quarter ki aamdani ka zyada hota hai.
- Lamba aur tax-free bhandar — PPF: jo aadmi 15 saal tak paisa chhooega nahi, uske liye Public Provident Fund aaj bhi sabse shaant vikalp hai. Byaaj aur maturity dono par tax nahi lagta, lekin paisa band bhi lambi avadhi ke liye hota hai.
- Retirement ka bazaar se juda hissa — NPS: NPS ka paisa bazaar me lagta hai, isliye uska number PPF jaise pakke hisab se nahi chalta. Umr kam hai aur retirement door hai, to ye calculator corpus ka andaza dene ke kaam ka hai.
- Naukri wale ka pehle se chal raha fund — EPF: salary se apne aap katne wala paisa aksar log ginna hi bhool jate hain. EPF calculator se pata chalta hai ki retirement tak sirf is ek jagah se kitna khada ho sakta hai — aage ki planning usi ke upar banti hai.
Sabse aam teen galtiyan
Pehli galti — rate ko zindagi bhar ka pakka samajhna. Chhoti bachat yojanaon ke rate har teen mahine me review hote hain. Lambe hisab me aaj ka rate lagana theek hai, lekin beech-beech me aakar number dobara dekh lena samajhdari hai.
Dusri galti — jama ki avadhi aur maturity ko ek samajhna. SSY me paisa 15 saal jama hota hai lekin maturity 21 saal par milti hai. PPF 15 saal ka hota hai aur aage 5-5 saal ke hisso me badh sakta hai. Galat saal gin liya, to poora goal ulta pad jata hai.
Teesri galti — tax ko hisab se bahar rakhna. PPF aur SSY ki maturity tax-free hai, lekin SCSS ka byaaj aapki aay me judta hai aur tax slab ke hisab se kat sakta hai. Jo number calculator dikhaye, use apne tax slab ke saath jod kar dekhein.
Ek chhota sa udaharan
Maan lijiye aap har saal ₹1,50,000 PPF me dalte hain — ye iski adhiktam saalana seema bhi hai. Is page ke PPF calculator ke hisab se 7.1% ki dar par 15 saal me aapke jama ₹22,50,000 ke badle maturity lagbhag ₹40,68,209 aati hai. Asli baat ye hai ki isme se lagbhag ₹18.18 lakh sirf byaaj hai, aur ye rakam tax-free milti hai. Lekin yehi paisa agar aapko 8ve saal me hi chahiye, to PPF sahi jagah nahi — partial withdrawal ke niyam alag aur seemit hain. Matlab scheme achhi ya buri nahi hoti, aapki tareekh se mel khana hi asal sawal hai.
Neeche diye gaye Related Guides isi ke liye rakhe gaye hain — do schemeon ke beech fasein to pehle tulna wala guide padhein, phir calculator par apna number dal kar dekhein. Dono milkar hi sahi tasveer dete hain.
Related Guides
- NPS vs PPF: Retirement Ke Liye Kya Behtar
- Sukanya Samriddhi Yojana Guide
- SCSS: Senior Citizen Savings Scheme
- EPF vs PPF vs NPS: Teeno Me Se Kaun Jeetega?
Zaroori Note
Government scheme rates quarterly revise hote hain. Ye calculators October 2026 tak ke notified rates par based hain — invest karne se pehle official notification check karein.