Which small savings schemes you can pledge, what the banks lend against them, and why a 6.8% NSC earns you only ₹85 a year at SBI. Breakeven is your certificate’s rate divided by 60%.
Loan Against NSC, KVP and SSY: Pledge Rules, LTV and Rates Read More »
TDS 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.
Post Office Interest TDS 2026: Form 121 & PPF Exemption Read More »
NSC 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.
NSC vs KVP: Which Post Office Scheme Is Better for Families? Read More »
NSC 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.
NSC Does Not Double in 5 Years: 7.7% Rate & Tax Rules Read More »
Can a senior-citizen spouse claim 80TTB on a joint SCSS account? The honest answer is arguable and unsupported. Here is what actually moves your tax position.
Joint SCSS Account, 80TTB: The Answer Is “Probably, But Nobody Will Back You” Read More »
