Property for allowing multiple records in XSD

maxOccurs="unbounded" minOccurs="0"

The above property of maxOccurs should be used  in order to allow multiple records in XSD.

Sample XML consisting of multiple records.

<?xml version="1.0" encoding="UTF-8"?>
<DIUM_MESSAGE>
<FAILED_ID>
<INTERFACE>DEGREE</INTERFACE>
<ID>789456123</ID>
<OBJECT_TYPE>AU</OBJECT_TYPE>
<REASON>CCCCCCCCCCCCCCCCCCCCC</REASON>
</FAILED_ID>
<FAILED_ID>
<INTERFACE>INTER</INTERFACE>
<ID>4545454545454</ID>
<OBJECT_TYPE>FK</OBJECT_TYPE>
<REASON>DDDDDDDDDDDDDDDDDDDDDDDDDDD</REASON>
</FAILED_ID>
</DIUM_MESSAGE>

Sample XSD for multiple records.

<xs:schema attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:element name="DIUM_MESSAGE">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="FAILED_ID" maxOccurs="unbounded" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element type="xs:string" name="INTERFACE"/>
              <xs:element type="xs:long" name="ID"/>
              <xs:element type="xs:string" name="OBJECT_TYPE"/>
              <xs:element type="xs:string" name="REASON"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

VALIDATING XSD with XML

http://www.utilities-online.info/xsdvalidation/#.VxnXHfl96M-

1)Copy and paste  the XML in the left pane window.

2)Copy and paste the XSD in the right pane window.

3) Valide the XML and XSD individually by clicking on CHECK XML WELL FORMED and
CHECK XSD VALIDITY buttons, to ensure both are valid.

4)Click on VALIDATE XML AGAINST XSD

5)You can see the results in RESULT WINDOW below.

Creating XSD from XML

http://www.freeformatter.com/xsd-generator.html#ad-output

Using the above URL, we can easily create a XSD.
1) COPY and paste the XML you have got in the window.
2)Click on Generate XSD.

In the Generated XSD window, you can see the XSD generated.

PPF CHART for 15 years for 1 Lakh Rupees @8% Interest Rate

Investment Amount :  100000

Starting Year : 2014

Interest Rate :  8%

Small Savings Schemes Revised Interest Rates for the quarter from April to June 2016

How to Make Most of New PPF Limit of Rs 1.5 lakh

• Deposits in PPF account can be made in lump-sum or in maximum 12 installments.

• The interest on balance in your PPF account is compounded annually and is credited at the end of the year.But the point to remember is that the interest calculation is done every month: the interest is calculated on lowest balances in account between 5th and the last day of the month.So if you deposit after 5th of a month, you don't earn interest for that month.

• The ideal way to maximise the interest on your PPF account would be to invest Rs 1.5 lakh (the maximum investible amount in a year) at one go at the beginning of the financial year.

• PPF accounts follow an April-to-March year so to earn the maximum interest, you should deposit the amount on/before 5th of April every year.

• A one-time deposit will earn interest for the whole year.

• if you want to deposit some amount every month, remember to deposit on/before 5th of that month. This will help you to earn interest for that month.

Example :

Suppose, you deposit Rs 15,000 every month in 10 instalments. A back-of-the-envelope calculation suggests that if you deposit before 5th of every month, you can earn extra monthly interest of close to Rs 105 and for 10 months it would help you to earn Rs 1,050 more, at the interest rate of 8.7 per cent. For a long-term investment product like PPF, if you follow the habit of depositing before 5th of every month, it could mean bigger retirement kitty for you.