PPF, SSY & post office interest rates: October–December 2026
Current small savings rates: PPF 7.10% and more, updated automatically each quarter.
Interest rates on government small savings schemes for October–December 2026, checked 13 November 2026.
| Scheme | Rate (yearly) | How interest works |
|---|---|---|
| Public Provident Fund (PPF) | 7.10% | Compounded yearly |
| Sukanya Samriddhi Yojana (SSY) | 8.20% | Compounded yearly |
| Senior Citizen Savings Scheme (SCSS) | 8.20% | Paid quarterly |
| National Savings Certificate (NSC) | 7.70% | Compounded yearly, paid at maturity |
| Kisan Vikas Patra (KVP) | 7.50% | Doubles in 115 months |
| Monthly Income Scheme (MIS) | 7.40% | Paid monthly |
| Post Office 5-year Time Deposit | 7.50% | Compounded quarterly, paid yearly |
| Post Office 3-year Time Deposit | 7.10% | Compounded quarterly, paid yearly |
| Post Office 2-year Time Deposit | 7.00% | Compounded quarterly, paid yearly |
| Post Office 1-year Time Deposit | 6.90% | Compounded quarterly, paid yearly |
| Post Office 5-year Recurring Deposit | 6.70% | Compounded quarterly |
| Post Office Savings Account | 4.00% | – |
The Ministry of Finance reviews these rates every quarter. PPF, Sukanya Samriddhi and NSC deposits qualify under Section 80C in the old tax regime; PPF and SSY interest is tax-free.
Calculate with today's rates: PPF calculator · Sukanya calculator · RD calculator
This article is general information, not personal financial advice. Rules and rates change; check the latest before you act.