Post Office Interest Rates
Post office interest rates for October–December 2026: PPF, Sukanya Samriddhi, SCSS, NSC, KVP and more.
| Name | Interest rate | Interest paid | Term | Minimum deposit |
|---|---|---|---|---|
| Post Office Savings Account Interest Rate | 4% | Annually | None (savings account) | ₹500 (opening) |
| 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 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 Time Deposit Interest Rate: 2 Years | 7% | Quarterly (interest calculated quarterly, payable annually) | 2 years | ₹1,000 and in multiples of ₹100 |
| 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 MIS Interest Rate (Monthly Income Scheme) | 7.4% | Monthly and paid (interest paid monthly, not compounded) | 5 years | ₹1,000 (multiples of ₹1,000) |
| 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 |
| NSC Interest Rate (National Savings Certificate) | 7.7% | Annually (compounded annually, payable at maturity) | 5 years | ₹1,000 (multiples of ₹100) |
| 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 |
The Ministry of Finance fixes the interest rates on small savings schemes every quarter, and India Post and authorised banks pay them. For October–December 2026 the rates run from 4% on the Post Office Savings Account to 8.2% on the Senior Citizens Savings Scheme and Sukanya Samriddhi. The Ministry’s office memorandum of 30 September 2026 kept every rate unchanged from July–September, and 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.