Latest Post Office Interest Rates 2026 (April–June) – Complete Table, Chart & Scheme-wise Details
📊 Post Office Savings Schemes Interest Rates (April 2026 – June 2026) Table/Chart.
The Government of India has announced the latest Post Office Small Savings Schemes interest rates for the quarter April 2026 to June 2026. These schemes are popular for their safety, guaranteed returns, and tax benefits.
🧾 Small Savings Schemes Interest Rates
| Scheme Name | Interest Rate |
|---|---|
| Sukanya Samriddhi Yojana (SSY) | 8.2% |
| Senior Citizen Savings Scheme (SCSS) | 8.2% |
| National Savings Certificate (NSC) | 7.7% |
| Kisan Vikas Patra (KVP) | 7.5% |
| Monthly Income Scheme (MIS) | 7.4% |
| Public Provident Fund (PPF) | 7.1% |
| Recurring Deposit (RD) | 6.7% |
| Savings Account | 4.0% |
⏳ Post Office Time Deposit Interest Rates
| Tenure | Interest Rate |
|---|---|
| 1 Year Time Deposit | 6.9% |
| 2 Years Time Deposit | 7.0% |
| 3 Years Time Deposit | 7.1% |
| 5 Years Time Deposit | 7.5% |
🔍 Key Highlights
- ✅ Highest interest rate: 8.2% (SSY & SCSS)
- ✅ Best tax-saving schemes: PPF, SSY, 5-Year Time Deposit
- ✅ Best for monthly income: MIS (7.4%)
- ✅ Government-backed safe investment
📈 Why Choose Post Office Savings Schemes?
- 🔒 Secure and risk-free investment
- 📊 Stable and assured returns
- 💰 Tax benefits under Section 80C
- 👴 Ideal for retirement planning
- 👨👩👧 Best for child future savings (SSY)
📊 FAQs
Q1. What is the highest Post Office interest rate in 2026?
👉 8.2% (SSY & SCSS)
Q2. What is the PPF interest rate in April 2026?
👉 7.1%
Q3. Which scheme is best for monthly income?
👉 Monthly Income Scheme (MIS)
Q4. Are Post Office schemes safe?
👉 Yes, fully backed by Government of India
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