Meet Sanchay — PPF & SSY family tracker

Finance

Sanchay

PPF & SSY family tracker

What Sanchay does

Every Indian family running PPF, Sukanya Samriddhi, NSC, or SCSS accounts knows the quiet rules that cost real money. Deposit after the 5th of the month and that month's interest is simply gone. Miss the minimum annual deposit and the account slips into default status with penalties. Let the April 1-5 window pass and a full year of compounding runs on a lower base. The schemes are excellent — the bookkeeping is brutal, and it stretches across 15 to 21 years.

Today that bookkeeping lives in a downloaded Excel sheet from 2019, a one-shot web calculator that saves nothing, and a bank or India Post app that logs in on the third try and shows a bare balance with no future. Sanchay replaces all of it with one calm, offline ledger for the whole family.

Add every account once — your PPF, your spouse's PPF, each daughter's SSY, the NSC certificates, a parent's SCSS — whichever bank or post office holds them. Sanchay keeps them side by side with balances, interest rates, and deposit history, entirely on your device. No login, no account, no server.

Then it starts doing the work the spreadsheet never could. Deadline reminders fire before the 5th of every month and before April 5, tuned to each account. The timing view shows, in actual rupees, what a late deposit costs you this month and what an April-1 deposit earns over the full year — not a lecture, a number. Dormancy protection watches the Rs 500 and Rs 250 minimums and warns you long before an account defaults.

The maturity ladder lays every account on one timeline: the 15-year PPF maturity and its 5-year extension choices, SSY's age-18 partial withdrawal and age-21 maturity, NSC and SCSS end dates. You see the family's next two decades of milestones on a single screen, and each financial year's deposits roll up into an 80C total you can hand straight to your CA.

Sanchay is an independent record-keeping app. It is not affiliated with India Post, any bank, or the Government of India, and it offers projections for your own records, not financial advice.

• All family PPF, SSY, NSC, and SCSS accounts in one offline ledger • 5th-of-the-month and April-5 deposit reminders per account • Rupee-quantified interest cost of late deposits • Dormancy protection for Rs 500 PPF and Rs 250 SSY minimums • Family maturity ladder with PPF extension planning • Financial-year deposit log with 80C rollup and CSV and PDF export

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Family Account Ledger — Every PPF, SSY, NSC, and SCSS account in the family — across any bank or post office — in one offline list with balances, rates, holder names, and deposit history.
• Deposit Deadline Reminders — Per-account local notifications before the 5th of each month and before the April 1-5 window, plus dormancy warnings when an account is on track to miss its Rs 500 or Rs 250 annual minimum.
• Timing Optimizer — Shows in rupees what depositing after the 5th costs this month, and what a lump-sum April-1 deposit earns versus monthly drip over the full year, per account and per scheme's published rate.
• Maturity Ladder — All accounts on one long-horizon timeline: PPF 15-year maturity with 5-year extension choices, SSY age-18 partial withdrawal and age-21 maturity, NSC and SCSS end dates, with projected values at each milestone.
• Deposit Log & 80C Rollup — Log each deposit in seconds; every financial year rolls up into an 80C total with per-account breakdown, exportable as CSV or PDF for your CA.

Why we built it

Government small-savings schemes (PPF, SSY, NSC, SCSS) quietly punish bad timing — deposit after the 5th and the month's interest is lost, miss the annual minimum and the account goes dormant — yet families track 15-21 year accounts with stale Excel sheets, one-shot web calculators, and unreliable bank/India Post apps…

What makes it different

Groww/ClearTax/bank calculators are one-shot projections that save nothing and know only one account; FinCalC-style Excel sheets have no alarms and break on rule changes; India Post Mobile Banking and bank apps are login-heavy single-institution balance views with no maturity ladder. Apple Reminders can replicate the…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: PPF & SSY family tracker

Try it

See the PPF & SSY family tracker for the full feature list, the info table, and support links.

Use Sanchay, found a bug, or have a feature request? Comments are open below — anonymous is fine.