Utkarsh Patel

Utkarsh Patel is a software engineer with an interest in personal finance. He builds BlogBanking's calculators and writes its guides and scheme pages.

He is not a chartered accountant or a SEBI-registered adviser, and nothing on BlogBanking is financial, tax or investment advice. His work is to turn the official rules into calculators and plain-language pages that anyone can check.

• LinkedIn
• utkarshp04@gmail.com

• Every rate, limit and rule comes from the official source: RBI, the Ministry of Finance, India Post, EPFO, PFRDA or the Income Tax Department. Each page lists its sources.
• Each rule is kept once in the code, so when a rate changes, every calculator and page that uses it changes together.
• Every page shows the date it was last reviewed. Small savings rates are checked every quarter, when the government announces them.
• The maths behind each calculator is explained on how we calculate.

Found a mistake? Email info@blogbanking.com with the page link, and it will be checked against the official rule and corrected. Please read the disclaimer before relying on any figure.

• Senior Citizen Savings Scheme (SCSS)
• Atal Pension Yojana (APY)
• Ponmagan scheme (Ponmagan Podhuvaippu Nidhi)
• Public Provident Fund (PPF)
• Sukanya Samriddhi Yojana (SSY)
• Post Office Monthly Income Scheme (MIS)
• National Savings Certificate (NSC)
• Kisan Vikas Patra (KVP)
• Post Office Recurring Deposit (RD)
• Employees' Provident Fund (EPF)
• Employees' Pension Scheme (EPS)
• National Pension System (NPS)
• PM Surya Ghar Muft Bijli Yojana
• Unified Pension Scheme (UPS)
• Post Office Time Deposit (TD)
• RBI Floating Rate Savings Bonds
• Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)

• 8th CPC fitment factor 2.0: how much will your salary really rise?
• Is no-cost EMI really free? The GST, fees and discounts it hides
• Buying gold this Dhanteras: jewellery, coins, gold ETF or gold fund?
• PF withdrawal rules changed: how much can you take out now?
• UPI charges above ₹2,000 start after Diwali: do you pay?
• Advance tax due dates for 2026-27 and who must pay
• Can you claim HRA exemption in the new tax regime?
• Flat vs reducing interest rate: which is cheaper?
• How are mutual fund gains taxed in 2026-27?
• How can I increase my chances of IPO allotment?
• How is home loan interest calculated?
• How much SIP do you need to make ₹1 crore?
• How much will Sukanya Samriddhi give at maturity?
• Is a home loan balance transfer worth it?
• Is a step-up SIP worth it?
• Is income up to ₹12 lakh tax-free in 2026-27?
• Old vs new tax regime: which is better for you in 2026-27?
• PPF vs FD: which is better for you?
• SCSS vs Post Office MIS: which is better for regular income?
• SIP or lumpsum: which is better?
• SME IPO vs mainboard IPO: what is the difference?
• Should you reduce EMI or tenure after prepaying a loan?
• What changed under the Income-tax Act, 2025?
• What happens if I don't get an IPO allotment?
• What is the cut-off price in an IPO?
• Who is eligible for gratuity, and how much will you get?
• Why is your in-hand salary less than your CTC?

Utkarsh Patel builds and maintains all 72 calculators on BlogBanking. See them all on the home page.