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Rates, October to December
  • Public Provident Fund 7.1%
  • Sukanya Samriddhi 8.2%
  • Senior Citizen Savings 8.2%
  • NSC, 5 years 7.7%
  • Kisan Vikas Patra 7.5%
  • Monthly Income Scheme 7.4%
  • Time deposit, 5 years 7.5%
  • Time deposit, 1 year 6.9%
  • Recurring deposit, 5 years 6.7%
  • Savings account 4%
Calculators

How We Write

This page explains how the guides on Money Schemes are made, including the part software plays.

Sources come first

Before anything is written we collect the official material for the topic: Ministry of Finance notifications, National Savings Institute and India Post rules, scheme guidelines from the ministry that runs the scheme, state government orders, and Press Information Bureau releases. When a source is unclear or two sources disagree, the page says what the official portal shows and asks you to check it.

Drafting with AI tools

We use AI writing tools to help with first drafts and with structure, for example turning a long guideline into numbered steps or a comparison table. A draft is never published as it comes out of a tool.

A person checks every page

  • Every rate, limit, age, amount and deadline is compared with the official source listed on the page.
  • Steps are checked against the current portal screens where the portal is public.
  • Anything that cannot be confirmed is removed or marked plainly as unconfirmed.
  • Pages avoid advice: we explain how a scheme works, not whether you should join it.

Interest rates

Small savings rates are set every quarter. Pages do not hard code them: they read from one rate table, so when a new quarter is notified every page, the rate board and the calculators change together.

Pictures

Cover pictures are made with image generation tools and show objects and places only: passbooks, rooftops, kitchens, fields. They never show real people, official logos or documents.

Corrections

If you find an error, write to guestpostadvertising@gmail.com. See our editorial policy for how corrections are handled.