Post Office Interest Rates
Post office interest rates for July–September 2026: PPF, Sukanya Samriddhi, SCSS, NSC, KVP and more.
| Name | Interest rate | Interest paid | Term | Minimum deposit |
|---|---|---|---|---|
| SCSS Interest Rate (Senior Citizens Savings Scheme) | 8.2% | Quarterly and paid (interest paid quarterly, not compounded) | 5 years; extendable by 3 years | ₹1,000 (multiples of ₹1,000) |
| Sukanya Samriddhi Yojana Interest Rate | 8.2% | Yearly | 21 years from opening (or marriage after 18); deposits for 15 years | ₹250 per financial year |
| NSC Interest Rate (National Savings Certificate) | 7.7% | Annually (compounded annually, payable at maturity) | 5 years | ₹1,000 (multiples of ₹100) |
| KVP Interest Rate (Kisan Vikas Patra) | 7.5% | Annually | 115 months (9 years 7 months) at current rate | ₹1,000 (multiples of ₹100) |
| Post Office 5 Year FD: Tax-Saving Time Deposit Rate | 7.5% | Quarterly (interest calculated quarterly, payable annually) | 5 years | ₹1,000 and in multiples of ₹100 |
| Post Office MIS Interest Rate (Monthly Income Scheme) | 7.4% | Monthly and paid (interest paid monthly, not compounded) | 5 years | ₹1,000 (multiples of ₹1,000) |
| Post Office 3 Year TD Interest Rate | 7.1% | Quarterly (interest calculated quarterly, payable annually) | 3 years | ₹1,000 and in multiples of ₹100 |
| PPF Interest Rate | 7.1% | Yearly | 15 financial years excluding FY of opening; extendable in blocks of 5 years | ₹500 per financial year |
| Post Office Time Deposit Interest Rate: 2 Years | 7% | Quarterly (interest calculated quarterly, payable annually) | 2 years | ₹1,000 and in multiples of ₹100 |
| Post Office FD Interest Rate: 1-Year Time Deposit | 6.9% | Quarterly (interest calculated quarterly, payable annually) | 1 year | ₹1,000 and in multiples of ₹100 |
| Post Office RD Interest Rate | 6.7% | Quarterly | 5 years (60 monthly deposits); extendable 5 years | ₹100 per month or any amount in multiples of ₹10 |
| Post Office Savings Account Interest Rate | 4% | Annually | None (savings account) | ₹500 (opening) |
The Ministry of Finance fixes the interest rates on small savings schemes every quarter, and India Post and authorised banks pay them. For July–September 2026 the rates run from 4% on the Post Office Savings Account to 8.2% on the Senior Citizens Savings Scheme and Sukanya Samriddhi. Every rate has stayed the same in each quarter since October–December 2024.
Open a scheme for its deposit limits, term, tax treatment and rate history, or work out returns with the PPF calculator, Sukanya Samriddhi calculator, RD calculator and FD calculator.
Source: Ministry of Finance (Department of Economic Affairs) notifications on small savings interest rates, the National Savings Institute rate history and India Post scheme rules, linked on each record.