About Smart - Postal Calculator
🔒 IMPORTANT — PLEASE READ FIRST Smart - Postal Calculator is an INDEPENDENT, UNOFFICIAL app. It is NOT affiliated with, endorsed by, or authorised by India Post, the Department of Posts, the Ministry of Finance, or any...
🔒 IMPORTANT — PLEASE READ FIRST
Smart - Postal Calculator is an INDEPENDENT, UNOFFICIAL app. It is NOT affiliated with, endorsed by, or authorised by India Post, the Department of Posts, the Ministry of Finance, or any government entity. We do not provide or facilitate any government service. All figures are indicative estimates for information only — please confirm with your post office before making any financial decision.
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🔗 OFFICIAL GOVERNMENT SOURCES
All scheme rules, deposit limits, eligibility criteria and interest rates shown in this app are taken from these official Government of India pages:
• Post Office Savings Schemes (RD, MIS, TD, SSY, NSC, KVP, PPF, SCSS)
https://www.indiapost.gov.in/banking-services/savings
• Interest rates — National Savings Institute, Ministry of Finance
https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132
• Postal Life Insurance (PLI)
https://www.indiapost.gov.in/insurance-services/pli
• Rural Postal Life Insurance (RPLI)
https://www.indiapost.gov.in/insurance-services/rpli
• Official PLI / RPLI customer portal
https://pli.indiapost.gov.in/CustomerPortal/Home.action
Every calculation screen inside the app also links directly to its official source.
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📮 ABOUT THIS APP
Smart - Postal Calculator helps postal agents, customers and financial advisors estimate returns on Indian Post Office Savings Schemes, Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) plans.
🔹 What This App Offers:
✔️ All popular Post Office schemes in one place
✔️ Indicative premium and maturity estimates
✔️ Professional PDF reports for clients
✔️ Editable customer details and preferences
✔️ Offline access – no internet required
✔️ Easy sharing (PDF / Print / WhatsApp)
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📂 SCHEMES COVERED
1️⃣ General Savings Schemes:
• 🟢 Recurring Deposit (RD)
• 🟢 Monthly Income Scheme (MIS)
• 🟢 Time Deposit (TD – 1/2/3/5 years)
• 🟢 Sukanya Samriddhi Yojana (SSY)
• 🟢 National Savings Certificate (NSC)
• 🟢 Kisan Vikas Patra (KVP)
• 🟢 Public Provident Fund (PPF)
• 🟢 Senior Citizen Savings Scheme (SCSS)
2️⃣ Postal Life Insurance (PLI):
• 🔵 Suraksha – Whole Life Assurance
• 🔵 Santhosh – Endowment Assurance
• 🔵 Suvidha – Convertible Whole Life
• 🔵 Sumangal – Anticipated Endowment
• 🔵 Yugal Suraksha – Joint Life Assurance
3️⃣ Rural Postal Life Insurance (RPLI):
• 🟠 Gram Suraksha – Whole Life Assurance
• 🟠 Gram Santhosh – Endowment Assurance
• 🟠 Gram Suvidha – Convertible Whole Life
• 🟠 Gram Sumangal – Money Back Policy
• 🟠 Gram Priya – 10-Year Term Assurance
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📊 KEY FEATURES
• 👤 Customer entry form with name, age and preferences
• 🧮 Calculators for maturity, bonus and premium
• 📑 Detailed plan summaries and side-by-side comparison
• 📊 Charts showing deposit vs. interest at a glance
• 🇮🇳 Built specifically for Indian postal schemes
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🔐 YOUR DATA
No account or registration is required. The customer details you enter stay on your device. The free version shows ads and uses standard analytics and crash-reporting tools; the optional Premium upgrade removes ads. See our Privacy Policy for details.
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📩 SUPPORT & FEEDBACK
Found an error in a rate or a plan rule? Please tell us and we will correct it:
📧 admin@insurancefunda.in
Made by InsuranceFunda. Updated regularly as India Post and the Ministry of Finance revise scheme rules and quarterly interest rates.
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🔒 FULL DISCLAIMER
This is a third-party informational tool. It does not represent India Post, the Department of Posts or any government body, and cannot process applications, accept deposits, or issue policies. Interest rates are revised quarterly by the Ministry of Finance, so figures shown may lag an official revision. Refer to the official sources above, or your nearest post office, for authoritative information.
Previous Versions
Here you can find the changelog of Smart - Postal Calculator since it was posted on our website on 2021-12-13 02:29:50.
The latest version is and it was updated on 2026-10-17 10:49:22. See below the changes in each version.
Smart - Postal Calculator version
Updated At: 2026-07-29
Changes: Version 3.09
Redesigned PLI/RPLI report and PDF — cleaner brochure-style layout, full-width tables and Indian number formatting.
Premium: add a customer photo, set your own plan name, or hide your profile from the report.
• Type a date of birth directly — no calendar picker needed (PLI & Sukanya Samriddhi)
• Number pads on amount and age fields
• Updated deposit limits for all postal schemes
• Fixed status bar, screen spacing and broken India Post links
Smart - Postal Calculator version
Updated At: 2026-01-14
Changes: Version 3.06
1. Age calculation issues fixed
2. Bug fixes and improvements
Smart - Postal Calculator version
Updated At: 2026-01-04
Changes: Version 3.05
1. Important bug fixes
2. UI and UX imporvements
Smart - Postal Calculator version
Updated At: 2025-09-23
Changes: Version 3.04
1. GST Removed from premiums
2. Bug fixes
Smart - Postal Calculator version 3.03
Updated At: 2025-08-05
Changes: Version 3.03
1. Fixed the Crash issue on picking a date
2. Some important bugs fixed
Smart - Postal Calculator version 2.53
Updated At: 2025-01-19
Changes: Version 2.53
1. Post office interest rates updated
Smart - Postal Calculator version 2.52
Updated At: 2024-01-01
Changes: Version 2.52
1. New rates 2024 January updated
Smart - Postal Calculator version 2.51
Updated At: 2023-12-06
Changes: Version 2.51
1. Bug FIxes and enhancements
Smart - Postal Calculator version 2.49
Updated At: 2023-04-18
Changes: Version 2.49
1. Updated RD interest rates
Smart - Postal Calculator version 2.47
Updated At: 2022-12-30
Changes: Version 2.47
1. Interest Rates updated as on 01/01/2023
