AI SummaryCentral govt. has released the Post Office Interest Rates Table for the October to December 2026 quarter (Q3 FY 2026-27). Finance Ministry announced on 30 September 2026 that rates stay unchanged, so Sukanya Samriddhi Yojana and Senior Citizen Savings Scheme (SCSS) still pay 8.2%, PPF pays 7.1% and NSC pays 7.7%.
Rates on Time Deposit (TD), Recurring Deposit (RD), Kisan Vikas Patra (KVP), Monthly Income Scheme (MIS) and Post Office Savings Account are also the same as in July to September 2026. These rates apply from 1 October 2026 to 31 December 2026. Government reviews them every quarter, and the next review is due by 31 December 2026 for the January to March 2027 quarter.
PO Saving Schemes Interest Rates Table
Here is the full table of post office savings scheme interest rates applicable from 1 October 2026 to 31 December 2026:
| Small Savings Scheme | Interest Rate | Tenure | Tax Deduction on Investment? | Interest Taxable |
|---|---|---|---|---|
| Post Office Savings Account | 4.0% | NA | No | Yes |
| Post Office Recurring Deposit | 6.7% | 5 Years | No | Yes |
| Post Office Monthly Income Scheme | 7.4% | 5 Years | No | Yes |
| Post Office Time Deposit (1 year) | 6.9% | 1 Year | No | Yes |
| Post Office Time Deposit (2 year) | 7% | 2 Years | No | Yes |
| Post Office Time Deposit (3 year) | 7.1% | 3 Years | No | Yes |
| Post Office Time Deposit (5 year) | 7.5% | 5 Years | Yes | Yes |
| Kisan Vikas Patra (KVP) | 7.5% (matures in 115 months) | 30 Months Lock-in period | No | Yes |
| Public Provident Fund (PPF) | 7.1% | 15 Years | Yes | No |
| Sukanya Samriddhi Yojana | 8.2% | 21 Years | Yes | No |
| National Savings Certificate | 7.7% | 5 Years | Yes | Yes |
| Senior Citizens Savings Scheme | 8.2% | 5 Years | Yes | Yes |
To get more details on Post Office Savings Schemes, visit the official website indiapost.gov.in. Tax deduction under Section 80C applies only in the old tax regime, up to ₹1.5 lakh a year.
Post office interest rates unchanged for October-December 2026
Department of Economic Affairs, Ministry of Finance, issued an office memorandum on 30 September 2026 saying the Q3 FY 2026-27 rates will stay the same as those notified for Q2 (1 July to 30 September 2026). PPF is at 7.1%, KVP at 7.5%, Sukanya Samriddhi Account at 8.2%, NSC at 7.7%, MIS at 7.4%, SCSS at 8.2%, RD at 6.7% and Savings deposit at 4%.
Rates on most small savings schemes have not changed since January-March 2024. The last hike came in that quarter, when the 3-year TD went from 7% to 7.1% and Sukanya Samriddhi from 8% to 8.2%.
Wants to know about MIS sccheme of PO.What is the minimum amount of deposit for a month.
5TH OCT 2018 APPROACHED POST OFFICE JIRAULI DHOOM SINGH-202281 FOR RS.10000 WORTH KCC OR NSC OR FD BUT NO BENEFIT AS POST OFFICE PERSON ASKED FOR 7 DAYS TO OPEN A/C.NO USE TO ME...? AT LAST ON THE SAME DAY DEPOSITED SAME AMMOUNT IN MY JAN DHAN YOJNA BANK A/C IN GRAMIN BANK OF ARYAVART JIRAULI DHOOM SINGH AND GOT FD ISSUED SAME DAY @ OF 7% INTEREST....... LOSS OF 1% ... I WILL BARE because of services being rendered by POST OFFICE.THANKS TO POSTAL SERVICES. GYANENDRA 9758146831
Is there any incentive for senior citizens in time deposit schemes ie in F.D. in post office like in banks they give 0.5 % extra
Aakash Kumar
Hello to all
In this baffling continuously, I proclivity you all
Prize your family and friends
post office savings account interest was paid the minimum balance ina month from 10th to the last day of the month. I want to know whether it is changed as in banks daily basis.