Question 1

Which scheme gives the highest real return?

Accepted Answer

Historically PPF and SSY deliver the strongest real returns due to tax-free structure. FD and SCSS can fall behind after tax.

Question 2

Can bank FDs give negative real returns?

Accepted Answer

Yes. If inflation is higher than your post-tax FD return, real return becomes negative and your money loses purchasing power over time.

Question 3

Do small-savings schemes always beat inflation?

Accepted Answer

No. They outperform in some periods and may fall behind in high-inflation years. Long-term tax efficiency often matters more than the nominal rate.

Question 4

How is the KVP annual rate calculated?

Accepted Answer

KVP declares a doubling period, not an annual rate. The calculator converts it using compound interest: Annual CAGR = 2^(1/Years to Double) − 1.

Question 5

Is this financial advice?

Accepted Answer

No. This tool is for educational comparison. Consult a qualified advisor before making investment decisions.