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 »
PPF, NSC, KVP, MIS and SSY each price an early exit differently: a 1% rate cut, a gazette band paying 6.50%, or no penalty. The cost in rupees.
Premature Closure of PPF, NSC, KVP, MIS and SSY: The Cost Read More »
PPF 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, with the section 123 and section 11 tax treatment.
PPF Rules 2026: Limits, Partial Withdrawal, Tax Read More »
PPF, NSC, KVP, MIS, SSY and SCSS in one table: rates for Oct-Dec 2026, lock-in periods, withdrawal rules and how each is taxed.
Small Savings Schemes in India: Rates, Rules, Tax (2026) Read More »
Kisan Vikas Patra doubles your money, but it takes 115 months at the current 7.5% rate. What the scheme pays, when you can get it out early, and who it is not really for.
Kisan Vikas Patra: What It Really Is, and Who Should Use It Read More »
