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PostalIQ
Your complete reference hub for India Post — find rules, search orders, use calculators and open practical guides from one place.
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Everything you need, one click away.
Smart Interest Calculator
Compare Post Office schemes, after-tax returns, bank deposits and savings goals.
LTC Rules FAQ
Eligibility, blocks, family, travel, claims and advances.
PDF Tools
Merge, split, compress, OCR and convert PDF files.
PostalIQ at a glance
Live counts from the loaded reference catalogues.
Quick access
Jump straight into a working section.
Ask PostalIQ
Searches SB Orders and Manuals & Guides using weighted relevance, source sections and related terms.
Orders and Manuals
India Post / POSB orders, manuals and practical reference guides.
Search and open the existing SB Order repository.
| Order Ref & Date | Category | Subject | Status | Supersedes / Replaced By | Action |
|---|
Open a manual or guide in its own page.
POSB & PLI Interest & Maturity Calculator Suite
Accurate interest calculations complying with Ministry of Finance quarterly notifications and India Post rules.
Current Active Quarter Interest Rates (Ministry of Finance / DEA)
Q2 FY 2026-27 Active| Scheme Name | Rate % p.a. | Compounding Frequency | Tenure / Limits | Taxability / Statutory Order |
|---|
Account Parameters
Deposits & Withdrawals
0 entriesDeposits made after the cutoff day start earning interest only from the following month.
| Date | Type | Amount (₹) |
|---|
Year-by-Year Financial Ledger
Click FY row to inspect monthly accrual| Financial Year | Opening (₹) | Deposits | Withdrawals | Interest Credited | Closing Balance |
|---|
Accumulated Balance Growth Progression
National Savings Certificate (NSC)
Compounds annually; fixed rate locked for full tenure at certificate purchase.
Kisan Vikas Patra (KVP)
Notified doubling period locked on purchase date. Lock-in period: 2.5 years.
Post Office Time Deposit (POTD)
Quarterly compounding ($A = P(1 + r/4)^{4t}$) with annual interest credit.
5-Year Recurring Deposit (RD)
60 monthly deposits; interest compounds quarterly at declared rate.
Monthly Income Scheme (MIS)
5-year simple interest paid monthly ($P \times r / 12$). Max: ₹9L single / ₹15L joint.
Senior Citizens Savings Scheme (SCSS)
Quarterly simple interest ($P \times r / 4$). Maximum limit: ₹30,00,000.
MIS + RD Reinvestment
Take the monthly MIS interest and invest that same amount every month into a 5-Year RD.
Post Office Savings Account (SB) Interest Ledger
Calculates monthly interest on lowest balance between 10th and month-end @ flat 4.0% p.a., credited on 31 March.
Note: Section 80TTA provides income tax exemption up to ₹10,000 on savings account interest (Section 80TTB provides up to ₹50,000 for senior citizens).
Maturity and premium values are estimated using simplified actuarial approximations tuned to published PLI/RPLI rate cards. Actual premium depends on exact age, medical category and payment mode — verify exact premium quotes at your Post Office or the official PLI portal.
Official Forms Catalog
Statutory departmental and civil service forms indexed from /data/forms.json.
All-India Pincode & Post Office Directory
Complete administrative hierarchy: Sub Offices, Head Offices, Division, Region, and Circle.
Type at least 3 digits or letters to scan the database.
Pay & City Parameters
Matrix cell selector uses the built-in Level 1–12 table. If your level is not listed, enter basic pay manually.
Monthly Statement of Emoluments
DA: 60%DA Revision Back-Pay / Arrears Estimator
Computes retroactively owed difference on Basic Pay and Transport Allowance (TPTA).
MACP / Promotion Pay Fixation (FR 22(I)(a)(1))
Grants 1 notional increment in old level, then snaps to next higher cell in target level.
Annual Increment & Cycle Engine
Pension Engine (OPS / UPS)
Upper-bound estimate (assumes final basic+DA across career; actual rules sum 1/10th of historical emoluments per semester).
Gratuity (DCRG) & Leave Encashment
NPS Corpus & Annuity Projector
House Building Advance (HBA) Schedule
FY 2026–27 (AY 2027–28) Tax Comparison Engine
Budget 2026 CompliantGramin Dak Sevak (GDS) TRCA Emoluments Desk
Kamlesh Chandra Committee framework (7th CPC does not apply to GDS cadre).
8th CPC constituted 3 Nov 2025 (Chairperson: Justice Ranjana Prakash Desai); report expected ~mid-2027. No official fitment factor or pay matrix exists yet.
This is a simplified basic-pay-only illustration. It does not calculate official arrears, DA merger, allowances, deductions, tax, or a not-yet-published 8th CPC matrix.
Suggestions & Requests
Found an error, need a missing order or manual, or have an idea for a new tool? Send it here. Submissions are intended for the private PostalIQ feedback spreadsheet and are not displayed publicly.