{"catalog":{"title":"Post Office Interest Rates","path":"/small-savings","updatedAt":"2026-09-30T14:50:16.212Z","fields":[{"id":"scheme","label":"Scheme","type":"text"},{"id":"rate","label":"Interest rate","type":"number","format":{"style":"percent","maximumFractionDigits":2}},{"id":"quarter","label":"Quarter","type":"text"},{"id":"compounding","label":"Interest paid","type":"text"},{"id":"term","label":"Term","type":"text"},{"id":"min_deposit","label":"Minimum deposit","type":"text"},{"id":"max_deposit","label":"Maximum","type":"text"},{"id":"history","label":"Rate history","type":"textarea"},{"id":"notification","label":"Ministry of Finance notification","type":"url"},{"id":"sources","label":"Sources","type":"textarea"},{"id":"reviewed","label":"Last checked","type":"date"}]},"entries":[{"slug":"scss","name":"SCSS Interest Rate (Senior Citizens Savings Scheme)","path":"/small-savings/scss","category":null,"updatedAt":"2026-09-30T14:46:01.259Z","fields":{"scheme":"Senior Citizens Savings Scheme","rate":8.2,"quarter":"July–September 2026","compounding":"Quarterly and paid (interest paid quarterly, not compounded)","term":"5 years; extendable by 3 years","min_deposit":"₹1,000 (multiples of ₹1,000)","max_deposit":"₹30 lakh (all SCSS accounts of an individual)","history":"July–September 2026 · 8.2%\nApril–June 2026 · 8.2%\nJanuary–March 2026 · 8.2%\nOctober–December 2025 · 8.2%\nJuly–September 2025 · 8.2%\nApril–June 2025 · 8.2%\nJanuary–March 2025 · 8.2%\nOctober–December 2024 · 8.2%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nmax · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"ssy","name":"Sukanya Samriddhi Yojana Interest Rate","path":"/small-savings/ssy","category":null,"updatedAt":"2026-09-30T14:46:51.206Z","fields":{"scheme":"Sukanya Samriddhi Yojana","rate":8.2,"quarter":"July–September 2026","compounding":"Yearly","term":"21 years from opening (or marriage after 18); deposits for 15 years","min_deposit":"₹250 per financial year","max_deposit":"₹1,50,000 per financial year","history":"July–September 2026 · 8.2%\nApril–June 2026 · 8.2%\nJanuary–March 2026 · 8.2%\nOctober–December 2025 · 8.2%\nJuly–September 2025 · 8.2%\nApril–June 2025 · 8.2%\nJanuary–March 2025 · 8.2%\nOctober–December 2024 · 8.2%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\ncompounding · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"nsc","name":"NSC Interest Rate (National Savings Certificate)","path":"/small-savings/nsc","category":null,"updatedAt":"2026-09-30T14:46:20.590Z","fields":{"scheme":"National Savings Certificate","rate":7.7,"quarter":"July–September 2026","compounding":"Annually (compounded annually, payable at maturity)","term":"5 years","min_deposit":"₹1,000 (multiples of ₹100)","max_deposit":"No maximum limit","history":"July–September 2026 · 7.7%\nApril–June 2026 · 7.7%\nJanuary–March 2026 · 7.7%\nOctober–December 2025 · 7.7%\nJuly–September 2025 · 7.7%\nApril–June 2025 · 7.7%\nJanuary–March 2025 · 7.7%\nOctober–December 2024 · 7.7%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\ncompounding · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"kvp","name":"KVP Interest Rate (Kisan Vikas Patra)","path":"/small-savings/kvp","category":null,"updatedAt":"2026-09-30T14:46:29.136Z","fields":{"scheme":"Kisan Vikas Patra","rate":7.5,"quarter":"July–September 2026","compounding":"Annually","term":"115 months (9 years 7 months) at current rate","min_deposit":"₹1,000 (multiples of ₹100)","max_deposit":"No maximum limit","history":"July–September 2026 · 7.5%\nApril–June 2026 · 7.5%\nJanuary–March 2026 · 7.5%\nOctober–December 2025 · 7.5%\nJuly–September 2025 · 7.5%\nApril–June 2025 · 7.5%\nJanuary–March 2025 · 7.5%\nOctober–December 2024 · 7.5%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\ndoubling · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"td-5y","name":"Post Office 5 Year FD: Tax-Saving Time Deposit Rate","path":"/small-savings/td-5y","category":null,"updatedAt":"2026-09-30T14:45:32.112Z","fields":{"scheme":"5-year Post Office Time Deposit","rate":7.5,"quarter":"July–September 2026","compounding":"Quarterly (interest calculated quarterly, payable annually)","term":"5 years","min_deposit":"₹1,000 and in multiples of ₹100","max_deposit":"No maximum limit","history":"July–September 2026 · 7.5%\nApril–June 2026 · 7.5%\nJanuary–March 2026 · 7.5%\nOctober–December 2025 · 7.5%\nJuly–September 2025 · 7.5%\nApril–June 2025 · 7.5%\nJanuary–March 2025 · 7.5%\nOctober–December 2024 · 7.5%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nCompounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"mis","name":"Post Office MIS Interest Rate (Monthly Income Scheme)","path":"/small-savings/mis","category":null,"updatedAt":"2026-09-30T14:46:11.466Z","fields":{"scheme":"Post Office Monthly Income Scheme","rate":7.4,"quarter":"July–September 2026","compounding":"Monthly and paid (interest paid monthly, not compounded)","term":"5 years","min_deposit":"₹1,000 (multiples of ₹1,000)","max_deposit":"₹9 lakh single / ₹15 lakh joint; individual total ₹9 lakh","history":"July–September 2026 · 7.4%\nApril–June 2026 · 7.4%\nJanuary–March 2026 · 7.4%\nOctober–December 2025 · 7.4%\nJuly–September 2025 · 7.4%\nApril–June 2025 · 7.4%\nJanuary–March 2025 · 7.4%\nOctober–December 2024 · 7.4%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nMIS limits · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"td-3y","name":"Post Office 3 Year TD Interest Rate","path":"/small-savings/td-3y","category":null,"updatedAt":"2026-09-30T14:45:21.762Z","fields":{"scheme":"3-year Post Office Time Deposit","rate":7.1,"quarter":"July–September 2026","compounding":"Quarterly (interest calculated quarterly, payable annually)","term":"3 years","min_deposit":"₹1,000 and in multiples of ₹100","max_deposit":"No maximum limit","history":"July–September 2026 · 7.1%\nApril–June 2026 · 7.1%\nJanuary–March 2026 · 7.1%\nOctober–December 2025 · 7.1%\nJuly–September 2025 · 7.1%\nApril–June 2025 · 7.1%\nJanuary–March 2025 · 7.1%\nOctober–December 2024 · 7.1%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nCompounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"ppf","name":"PPF Interest Rate","path":"/small-savings/ppf","category":null,"updatedAt":"2026-09-30T14:46:42.251Z","fields":{"scheme":"Public Provident Fund","rate":7.1,"quarter":"July–September 2026","compounding":"Yearly","term":"15 financial years excluding FY of opening; extendable in blocks of 5 years","min_deposit":"₹500 per financial year","max_deposit":"₹1,50,000 per financial year (incl. minor's account)","history":"July–September 2026 · 7.1%\nApril–June 2026 · 7.1%\nJanuary–March 2026 · 7.1%\nOctober–December 2025 · 7.1%\nJuly–September 2025 · 7.1%\nApril–June 2025 · 7.1%\nJanuary–March 2025 · 7.1%\nOctober–December 2024 · 7.1%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\ncompounding · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"td-2y","name":"Post Office Time Deposit Interest Rate: 2 Years","path":"/small-savings/td-2y","category":null,"updatedAt":"2026-09-30T14:45:12.387Z","fields":{"scheme":"2-year Post Office Time Deposit","rate":7,"quarter":"July–September 2026","compounding":"Quarterly (interest calculated quarterly, payable annually)","term":"2 years","min_deposit":"₹1,000 and in multiples of ₹100","max_deposit":"No maximum limit","history":"July–September 2026 · 7%\nApril–June 2026 · 7%\nJanuary–March 2026 · 7%\nOctober–December 2025 · 7%\nJuly–September 2025 · 7%\nApril–June 2025 · 7%\nJanuary–March 2025 · 7%\nOctober–December 2024 · 7%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nCompounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"td-1y","name":"Post Office FD Interest Rate: 1-Year Time Deposit","path":"/small-savings/td-1y","category":null,"updatedAt":"2026-09-30T14:45:03.348Z","fields":{"scheme":"1-year Post Office Time Deposit","rate":6.9,"quarter":"July–September 2026","compounding":"Quarterly (interest calculated quarterly, payable annually)","term":"1 year","min_deposit":"₹1,000 and in multiples of ₹100","max_deposit":"No maximum limit","history":"July–September 2026 · 6.9%\nApril–June 2026 · 6.9%\nJanuary–March 2026 · 6.9%\nOctober–December 2025 · 6.9%\nJuly–September 2025 · 6.9%\nApril–June 2025 · 6.9%\nJanuary–March 2025 · 6.9%\nOctober–December 2024 · 6.9%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nCompounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"rd","name":"Post Office RD Interest Rate","path":"/small-savings/rd","category":null,"updatedAt":"2026-09-30T14:45:41.050Z","fields":{"scheme":"Post Office Recurring Deposit","rate":6.7,"quarter":"July–September 2026","compounding":"Quarterly","term":"5 years (60 monthly deposits); extendable 5 years","min_deposit":"₹100 per month or any amount in multiples of ₹10","max_deposit":"No maximum limit","history":"July–September 2026 · 6.7%\nApril–June 2026 · 6.7%\nJanuary–March 2026 · 6.7%\nOctober–December 2025 · 6.7%\nJuly–September 2025 · 6.7%\nApril–June 2025 · 6.7%\nJanuary–March 2025 · 6.7%\nOctober–December 2024 · 6.7%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nRD rate, quarterly compounding, min · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}},{"slug":"sb","name":"Post Office Savings Account Interest Rate","path":"/small-savings/sb","category":null,"updatedAt":"2026-09-30T14:44:53.828Z","fields":{"scheme":"Post Office Savings Account","rate":4,"quarter":"July–September 2026","compounding":"Annually","term":"None (savings account)","min_deposit":"₹500 (opening)","max_deposit":"No maximum limit","history":"July–September 2026 · 4%\nApril–June 2026 · 4%\nJanuary–March 2026 · 4%\nOctober–December 2025 · 4%\nJuly–September 2025 · 4%\nApril–June 2025 · 4%\nJanuary–March 2025 · 4%\nOctober–December 2024 · 4%","notification":"http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf","sources":"Ministry of Finance notification, July–September 2026 · http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf\nNational Savings Institute: rate history · https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132\nCompounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) · https://www.indiapost.gov.in/banking-services/savings","reviewed":"2026-09-30"}}]}