Post Office Interest Rates for July–September 2026 (Q2 FY 2026–27): Complete List
POSB Interest Rates on Small Savings Schemes Remain Unchanged for Q2 FY 2026–27 (July–September 2026)
The Government of India has announced that the interest rates on all Small Savings Schemes will remain unchanged for the second quarter of FY 2026–27, covering the period 1 July 2026 to 30 September 2026. This decision ensures continued stability for millions of investors who rely on Post Office Savings Schemes for secure and guaranteed returns.
Small Savings Schemes continue to be one of the most preferred investment options due to their sovereign guarantee, attractive interest rates, tax benefits on selected schemes, and low investment risk.
Interest Rates for Q2 FY 2026–27
| Small Savings Scheme | Interest Rate (per annum) |
|---|---|
| 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 Bank Account | 4.0% |
National Savings Time Deposit Rates
| Time Deposit | Interest Rate |
|---|---|
| 1 Year | 6.9% |
| 2 Years | 7.0% |
| 3 Years | 7.1% |
| 5 Years | 7.5% |
Highlights
- Interest rates remain unchanged from the previous quarter.
- Rates are applicable from 1 July 2026 to 30 September 2026.
- Small Savings Schemes continue to offer safe, government-backed investments.
- Sukanya Samriddhi Yojana and Senior Citizen Savings Scheme continue to offer the highest interest rate of 8.2%.
- Public Provident Fund (PPF) remains a popular long-term investment option with 7.1% interest and tax benefits under applicable provisions.
- National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) continue to be attractive choices for conservative investors.
Why Invest in Post Office Small Savings Schemes?
Post Office Small Savings Schemes provide several advantages:
- Government-backed security with guaranteed returns.
- Suitable for long-term wealth creation and retirement planning.
- Flexible investment options for different financial goals.
- Tax benefits available on select schemes such as PPF, NSC, and Sukanya Samriddhi Yojana.
- Easily accessible through Post Offices across India.
Conclusion
With interest rates remaining unchanged for the second quarter of FY 2026–27, investors can continue to benefit from stable and assured returns through Post Office Small Savings Schemes. Whether you are planning for your child's future, retirement, regular monthly income, or long-term savings, these schemes continue to be among the safest investment avenues available in India.
