Post Office Small Savings Interest Rates from 01st July 2026: No Change Announced
Small Savings Interest Rates Remain Unchanged for July–September 2026: Scheme-wise Rates Announced
The Ministry
of Finance, Department of Economic Affairs (Budget Division) has
announced that the interest rates for all Small
Savings Schemes for the second
quarter of FY 2026–27 (1 July 2026 to 30 September 2026) will remain unchanged from the rates applicable
during the previous quarter (1 April 2026 to 30 June 2026).
Download Post Office Interest Rates from July 01st in PDF
According to the Office Memorandum dated 30 June 2026, there will be no revision in interest rates, ensuring stability for investors in Government-backed small savings schemes.
Scheme-wise Interest Rates (01 July 2026 to 30
September 2026)
|
Small Savings Scheme |
Interest Rate (per
annum) |
|
Post Office Savings Account |
4.0% |
|
1-Year Time Deposit |
6.9% |
|
2-Year Time Deposit |
7.0% |
|
3-Year Time Deposit |
7.1% |
|
5-Year Time Deposit |
7.5% |
|
5-Year Recurring Deposit (RD) |
6.7% |
|
Senior Citizens Savings Scheme (SCSS) |
8.2% |
|
Monthly Income Scheme (MIS) |
7.4% |
|
National Savings Certificate (NSC) |
7.7% |
|
Public Provident Fund (PPF) |
7.1% |
|
Kisan Vikas Patra (KVP) |
7.5% (Matures in 115 months) |
|
Sukanya Samriddhi Account (SSA) |
8.2% |
Key Highlights
- Interest rates remain
unchanged
for all Small Savings Schemes during Q2 FY 2026–27.
- The rates are
applicable from 1 July 2026 to 30 September 2026.
- Senior Citizens
Savings Scheme (SCSS) and Sukanya Samriddhi Account continue to offer the highest
interest rate of 8.2% per annum.
- Public Provident
Fund (PPF) continues at 7.1%, while the National
Savings Certificate (NSC) remains at 7.7%.
- Kisan Vikas Patra
(KVP) will continue to mature in 115 months.
The
decision provides certainty to investors and encourages continued participation
in Government-backed savings schemes, which remain among the safest investment
options for individuals seeking stable and guaranteed returns.
