Retirement Scheme Comparator India — SCSS vs NPS vs FD
Compare SCSS 8.2%, PMVVY 7.4%, NPS, PPF and Senior FD for monthly income on your retirement corpus.
Retirement Scheme Comparator
SCSS vs PMVVY vs NPS vs PPF vs FD vs Annuity — find the best for your retirement corpus
Retirement Schemes — Key Details
SCSS — 8.2%
Senior Citizens Savings Scheme. Quarterly payout. Max ₹30L (₹60L couple). 5+3 year tenure. 80C benefit on investment. TDS above ₹50K interest. Highest guaranteed rate in India.
PMVVY — 7.4%
LIC-backed pension scheme. Monthly pension. Max ₹15L per person. 10-year lock-in. Principal returned at end. For 60+ years. No GST. Provides regular monthly income stream.
NPS — Market-linked
National Pension System. Market-linked returns 9-11% historically. 60% tax-free withdrawal at 60. 40% compulsory annuity. 80CCD tax benefits. Best for pre-retirement accumulation.
PPF — 7.1%
Public Provident Fund. EEE tax status (exempt-exempt-exempt). 15-year lock-in. Max ₹1.5L/year. Partial withdrawal from year 7. Loan facility. No TDS. Completely tax-free.
Senior Citizen FD
Banks offer 0.25-0.75% extra for seniors. Current rates: SBI 7.5%, HDFC 7.75%, small finance banks 8-9%. Flexible tenure. FD interest fully taxable. TDS above ₹50K.
Annuity Plans
LIC and private insurers. Guaranteed lifetime income. No corpus left at death (unless return of purchase price option). Rates 5.5-7%. Protects against longevity risk. Taxable.
✅ Why Use This Calculator
6 Schemes
SCSS, PMVVY, NPS, PPF, FD and Annuity.
Monthly Income
Actual monthly payout for your corpus.
Post-Tax
Net returns after tax.
Allocation
SCSS first, then PMVVY, balance FD.
Real Returns
Inflation-adjusted returns shown.
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