₹Kadam Data Reference ← Calculator

CPI & interest rate data

All values bundled inline — no network calls at runtime. Update the CPI table each month after MoSPI publishes new figures, then reflect the same change in index.html.

Published data · Base 2012=100 Chained from Base 2024=100 Latest published month YoY change shown below each value

CPI — All India Combined

MoSPI · BASE 2012=100
Source: MoSPI All-India Combined Consumer Price Index. Jan 2013 – Dec 2025: official Base 2012=100. Jan 2026 onwards: Base 2024=100 values chained to 2012 base using link factor 1.9020 (= 198.0 ÷ 104.10, derived from Dec 2025 published on both series). YoY% = index ÷ same month prior year − 1.

Interest rate presets

DEFAULTS
ModeRate
Savings bank
Default · RBI-guided floor rate
 2.7% / yr
Fixed deposit
Indicative 1-yr FD rate
 6.5% / yr
Custom
User-supplied, default seed
 7.0% / yr
None
Inflation adjustment only
 —

Methodology

HOW IT WORKS
  • Inflation adjustment — real value = principal × (CPIreturn / CPIlend). Uses the All-India Combined index for the lend and return months.
  • Missed interest — what the principal could have earned in a savings account or FD over the same period. Added on top of the inflation-adjusted value to get the fair amount owed.
  • Base chaining — MoSPI switched to Base 2024=100 from Jan 2026. Values are converted to the 2012 base using the link factor 198.0 / 104.10 = 1.9020 (Dec 2025 overlap month).
  • Projection — months beyond the latest published CPI are estimated by compounding the trailing 12-month inflation rate forward. Results are flagged as estimated in the calculator.
  • Keeping data current — MoSPI publishes CPI around the 12th of each following month. Run node scripts/update-cpi.js or add the value manually to CPI_BY_YEAR in both HTML files.