DakNivesh: Post Office savings, worked out in seconds.
Instant, accurate returns for every major India Post savings scheme, with tools to compare schemes, plan towards a goal and keep track of what you have invested.
The problem
Millions of families, retirees and rural savers in India put their money into India Post small savings schemes because they are safe and predictable.
Working out the returns is not. Compound interest, quarterly rate revisions, premature-closure rules and tax benefits differ across eight schemes, and most online calculators are cluttered with ads and out-of-date rate tables.
What I built
- Every scheme in one place: PPF, NSC, KVP, SSY, RD, TD, MIS and SCSS, each with its own rules and the current interest rate.
- Compare schemes: Project the earnings of different schemes side by side over any time horizon you choose.
- Goal planner: Enter a target amount and the app works out how much to invest daily, monthly or yearly to reach it.
- My Portfolio: Save your active investments to a private dashboard and lock it with fingerprint or Face ID.
- Offline and private: No internet needed to calculate, and portfolio data is stored only on the device.
- Light and dark themes: A glass-style interface that follows the phone’s system theme.