https://thewealthblog.in Tax, retirement, banking, credit cards, insurance and investing guides for Indians — plus SIP, EMI, FD, PPF and NPS calculators. en-IN https://thewealthblog.in/ppf-nsc-kvp-mis-ssy-premature-closure-penalties/https://thewealthblog.in/ppf-nsc-kvp-mis-ssy-premature-closure-penalties/Sat, 03 Oct 2026 00:00:00 GMTYou opened a government small savings account because it was the one place your money would not tempt you. Then the medical bill arrived, or the son's admission fee, or the landlord changed his... https://thewealthblog.in/post-office-account-after-death-nomination-legal-heir/https://thewealthblog.in/post-office-account-after-death-nomination-legal-heir/Sat, 03 Oct 2026 00:00:00 GMTA KVP, NSC or RD can be continued by up to three survivors. A PPF, SSY or savings account closes, and the DICGC limit decides when a family needs a court. https://thewealthblog.in/loan-against-nsc-kvp-ssy-pledge-ltv-rates/https://thewealthblog.in/loan-against-nsc-kvp-ssy-pledge-ltv-rates/Sat, 03 Oct 2026 00:00:00 GMTWhich small savings schemes you can pledge, what banks lend against them, and why a 6.8% NSC earns you only Rs 85 a year at SBI. https://thewealthblog.in/senior-citizen-savings-and-pension-schemes/https://thewealthblog.in/senior-citizen-savings-and-pension-schemes/Fri, 02 Oct 2026 00:00:00 GMTRates as in force at 1 October 2026. Government small-savings rates are those notified for the third quarter of FY 2026-27 (1 October to 31 December 2026), unchanged from the previous quarter.... https://thewealthblog.in/nps-vs-ppf/https://thewealthblog.in/nps-vs-ppf/Fri, 02 Oct 2026 00:00:00 GMTRohit is 34. He earns ₹18 lakh a year. Every March he asks the same question: should the ₹1.5 lakh he puts away for retirement go into a PPF, or into NPS? He is not asking a silly question. Both... https://thewealthblog.in/nsc-national-savings-certificate-complete-guide/https://thewealthblog.in/nsc-national-savings-certificate-complete-guide/Fri, 02 Oct 2026 00:00:00 GMTNSC VIII Issue at 7.7%: the 5-year term, why Rs 10,000 becomes Rs 14,490 (not a double), the doubling maths, and why the interest is taxable every year. https://thewealthblog.in/retirement-schemes-nps-ppf-epf/https://thewealthblog.in/retirement-schemes-nps-ppf-epf/Fri, 02 Oct 2026 00:00:00 GMTMost of us meet retirement the way we meet a train we cannot catch. Every year we say we will start. Every March we look at the same two or three options and pick the one we understand least. https://thewealthblog.in/post-office-savings-account-rate-rules-vs-bank/https://thewealthblog.in/post-office-savings-account-rate-rules-vs-bank/Fri, 02 Oct 2026 00:00:00 GMTMost of us open a savings account at a bank and never think about it again. A quieter option sits a street away in the post office, and it works differently enough that the difference is worth... https://thewealthblog.in/sukanya-samriddhi-yojana-for-parents-rules/https://thewealthblog.in/sukanya-samriddhi-yojana-for-parents-rules/Fri, 02 Oct 2026 00:00:00 GMTSSY rules for parents: who owns the account, what you can deposit, the one education withdrawal, and why the 50% wedding myth is wrong. https://thewealthblog.in/monthly-income-scheme-mis-post-office-guide/https://thewealthblog.in/monthly-income-scheme-mis-post-office-guide/Fri, 02 Oct 2026 00:00:00 GMTMIS — Monthly Income Scheme: Who It Suits, Payout Mechanics and the Reinvestment Question https://thewealthblog.in/kisan-vikas-patra-doubling-period-explained/https://thewealthblog.in/kisan-vikas-patra-doubling-period-explained/Fri, 02 Oct 2026 00:00:00 GMTYour father opened one of these in 1999. He has been telling you for years that it doubles your money. He is right — and he is also leaving out the most important part of the story. https://thewealthblog.in/mis-vs-post-office-time-deposit/https://thewealthblog.in/mis-vs-post-office-time-deposit/Fri, 02 Oct 2026 00:00:00 GMTRetirees ask the post office clerk two different questions, and the answers pull in opposite directions. https://thewealthblog.in/small-savings-schemes-india-ppf-nsc-kvp-mis-ssy-scss/https://thewealthblog.in/small-savings-schemes-india-ppf-nsc-kvp-mis-ssy-scss/Fri, 02 Oct 2026 00:00:00 GMTPPF, NSC, KVP, MIS, SSY and SCSS in one table: rates for Oct-Dec 2026, lock-in periods, withdrawal rules, premature closure penalties and how each is taxed. https://thewealthblog.in/ppf-complete-guide-rules-limits-withdrawals-tax/https://thewealthblog.in/ppf-complete-guide-rules-limits-withdrawals-tax/Fri, 02 Oct 2026 00:00:00 GMTPPF rules for 2026: Rs 500 to Rs 1.5 lakh a year, the 15-year term, withdrawals from year 7, and 7.1% for the Oct-Dec 2026 quarter. https://thewealthblog.in/nsc-vs-kvp-which-post-office-scheme-should-you-pick/https://thewealthblog.in/nsc-vs-kvp-which-post-office-scheme-should-you-pick/Fri, 02 Oct 2026 00:00:00 GMTNSC is a 5-year deposit; KVP doubles in 115 months. Identical on pledging and transfer, very different on what your heirs inherit. Gazette-cited comparison. https://thewealthblog.in/post-office-interest-tds-form-121-ppf-exemption/https://thewealthblog.in/post-office-interest-tds-form-121-ppf-exemption/Fri, 02 Oct 2026 00:00:00 GMTTDS on post office interest is ₹50,000 a year, or ₹1,00,000 if you are 60+. PPF, SSY and NSC interest is exempt — no TDS, no form. Form 121 replaces 15G/15H. https://thewealthblog.in/au-sfb-vs-equitas-savings-account/https://thewealthblog.in/au-sfb-vs-equitas-savings-account/Thu, 01 Oct 2026 00:00:00 GMTEquitas pays more at every balance from Rs 1L to Rs 25L — and above Rs 10L the gap is a flat Rs 30,000 a year. Full 2026 slab comparison. https://thewealthblog.in/kotak-811-vs-jupiter/https://thewealthblog.in/kotak-811-vs-jupiter/Thu, 01 Oct 2026 00:00:00 GMTKotak 811 vs Jupiter compared on real 2026 rates, fees and KYC limits. Both pay 2.50%. Here is which zero-balance UPI account suits you. https://thewealthblog.in/loan-against-ppf-pmvvy/https://thewealthblog.in/loan-against-ppf-pmvvy/Thu, 01 Oct 2026 00:00:00 GMTLoan against PPF at 1% or against a PMVVY policy? What it costs, how much you can borrow, and why an unpaid loan can reduce your family's death benefit. https://thewealthblog.in/pm-sym-eligibility-calculator/https://thewealthblog.in/pm-sym-eligibility-calculator/Thu, 01 Oct 2026 00:00:00 GMTWork out what PM-SYM costs at your age, whether you qualify, and when payments start. The contribution chart, the ₹3,000 arithmetic, and an eight-question eligibility check.