SCSS Switch LabPost Office vs Mutual Fund

Exit the Post Office FD, move into a mutual fund, keep the same quarterly payout as the FD via SWP, and see whether your ending corpus is higher or lower after the exit-load hit.

Same quarterly payout

SCSS exit load built-in

Corpus comparison

Configuration

Post Office deposit

Scheme

Deposit amount (₹)

Interest rate (% p.a.)

Interest periodicity

SCSS pays quarterly by design.

Account start date

Original tenure (years)

Exit / switch date

Compare wealth on

Exit load rules

SCSS premature closure (official)

< 1 year: recover all interest paid · 1–2 years: 1.5% of deposit · ≥ 2 years: 1% of deposit · maturity: nil

Interest already received

What happens to PO interest paid before exit?

Mutual fund (after switch)

Expected MF return (% p.a. CAGR)

MF compounding

MF periodic payout (to match FD income)

Payouts are taken out and spent as income — they are not reinvested into the FD or the MF.

Payout per period (₹)

Auto-filled from FD; editable in custom mode.

Payout frequency

If you stay in Post Office till compare date

With matched payouts, interest/SWP is lifestyle income only. Ending corpus compare assumes it is not invested again.

Results

Set your numbers and hit Calculate. We’ll compare staying invested vs exiting today into the MF.