Government Schemes Calculators

Ayushman Bharat (PM-JAY) Eligibility Explained: It's Not Based on Income

Ayushman Bharat eligibility is primarily based on SECC-2011 deprivation-category status, not income directly — plus a 2024 expansion that covers every citizen aged 70 or older regardless of income or SECC status — so two people with identical incomes can have different eligibility outcomes depending on their SECC household classification.

Comparing Post Office Savings Schemes: Lump Sum vs Monthly Income vs Recurring Deposit

The same ₹9,00,000, put into POMIS versus POTD, earns noticeably different total interest over 5 years — because POMIS pays income out monthly without compounding, while POTD reinvests every quarter's interest until maturity.

EPF vs NPS vs PPF: Comparing India's Three Big Retirement Savings Options

EPF is mandatory and employer-matched with a government-set 8.25% rate, NPS is voluntary and market-linked with the highest long-run growth potential but a locked-in annuity requirement, and PPF is voluntary and fully guaranteed with tax-free (EEE) returns — they solve different problems, so most salaried savers end up using more than one rather than picking just one.

How a Central Government Employee's Retirement Gratuity Is Calculated

Retirement gratuity is a quarter of last-drawn basic pay plus DA for each completed six-month block of service, capped at 16.5 times that figure or a statutory ceiling — whichever comes first.

How an Extended PPF Account's Maturity Value Is Calculated

Extending a PPF account past its initial 15-year term compounds the existing balance at the current PPF rate for the extension period, and — if you continue contributing — adds a second growing stream from the new deposits on top of it.

How an Old Pension Scheme Monthly Pension Is Calculated

Full OPS pension is 50% of last-drawn basic pay plus DA, earned only at 33 years of qualifying service — fewer years scale the pension down proportionally, not to zero, but never above that 50% ceiling.