Post Office Scheme interest planners

Each Post Office scheme follows standard government-defined interest compounding and payout rules: 1. **Post Office Monthly Income Scheme (POMIS)**: Maturity tenure is 5 years. Interest is paid monthly: $$\text{Monthly Payout} = \frac{P \times R}{12 \times 100}$$ $$\text{Total Interest} = \text{Monthly Payout} \times 60$$ 2. **National Savings Certificate (NSC)**: Maturity tenure is 5 years. Interest compounds annually and is paid at maturity: $$\text{Maturity Amount} = P \times \left(1 + \frac{R}{100}\right)^5$$ 3. **Kisan Vikas Patra (KVP)**: Tenure is 115 months (9 years and 7 months). It doubles your principal investment: $$\text{Maturity Amount} = P \times 2$$ 4. **Senior Citizen Savings Scheme (SCSS)**: Tenure is 5 years. Interest is paid quarterly: $$\text{Quarterly Payout} = \frac{P \times R}{4 \times 100}$$ $$\text{Total Interest} = \text{Quarterly Payout} \times 20$$ 5. **Post Office Time Deposit (POTD)**: Interest compounds quarterly and is paid annually/at maturity: $$\text{Maturity Amount} = P \times \left(1 + \frac{R}{400}\right)^{4 \times t}$$