Complete POSB interest rate table for 1 July to 30 September 2026. PPF 7.1%, SCSS and SSA 8.2%, NSC 7.7%, all schemes, per SB Order 07/2026. Next revision 30 September.
Post Office Interest Rates: July to September 2026 Full Table
These are the interest rates on all Post Office Small Savings Schemes for the quarter 1 July 2026 to 30 September 2026, as notified through Department of Posts SB Order No. 07/2026 dated 30 June 2026. No rate changed this quarter. Every scheme continues at the same rate as April to June 2026.
| Scheme | Rate (per annum) | Compounding |
|---|---|---|
| Savings Account (SB) | 4.0% | Annually |
| 1-Year Time Deposit | 6.9% | Quarterly |
| 2-Year Time Deposit | 7.0% | Quarterly |
| 3-Year Time Deposit | 7.1% | Quarterly |
| 5-Year Time Deposit | 7.5% | Quarterly |
| 5-Year Recurring Deposit (RD) | 6.7% | Quarterly |
| Monthly Income Scheme (MIS) | 7.4% | Paid monthly |
| Senior Citizens Savings Scheme (SCSS) | 8.2% | Paid quarterly |
| National Savings Certificate (NSC) | 7.7% | Annually, paid at maturity |
| Public Provident Fund (PPF) | 7.1% | Annually |
| Kisan Vikas Patra (KVP) | 7.5% (matures in 115 months) | Annually |
| Sukanya Samriddhi Account (SSA) | 8.2% | Annually |
| Mahila Samman Savings Certificate | 7.5% | Quarterly |
What Changed This Quarter
Nothing. The Finance Ministry kept every rate unchanged, continuing a freeze that has now run since January 2024. SCSS and SSA remain the highest paying schemes at 8.2 percent.
Next Revision Date
Rates are reviewed every quarter. The next announcement, for October to December 2026, is expected around 30 September 2026. We will update this page the same day, so bookmark it if you handle counter queries or advise depositors.
Three Points Worth Remembering at the Counter
The 5-Year TD and 5-Year NSC both qualify for Section 80C deduction, the shorter TDs do not. SCSS accepts deposits up to 30 lakh and suits retiring employees looking to park gratuity and commutation amounts. The savings account rate of 4 percent is currently higher than what SBI and HDFC pay on savings deposits, a simple fact that helps when a customer compares the post office with banks.
Frequently Asked Questions
Which post office scheme gives the highest interest right now?
SCSS and Sukanya Samriddhi Account, both at 8.2 percent for the July to September 2026 quarter.
When will the rates change next?
The next quarterly review covers October to December 2026 and is normally announced on the last day of September. Rates have been unchanged since January 2024, and any change will appear in a fresh SB Order.
Is the PPF rate still 7.1 percent?
Yes. PPF continues at 7.1 percent, tax free under the exempt-exempt-exempt structure.
Which SB Order notified these rates?
SB Order No. 07/2026 dated 30 June 2026, issued by the Department of Posts following the Ministry of Finance memorandum of the same date. You can find the original order in our DOP Orders section.
Do these rates apply to existing TD, NSC and KVP accounts?
No. TD, NSC, KVP, SCSS and MIS accounts keep the rate that applied on the date of opening for their full term. Only PPF, SSA and savings accounts earn the current floating quarterly rate.
Rates as notified for 1 July to 30 September 2026. This page is updated every quarter on the day new rates are announced.
