Post Office savings rates: SCSS and SSY at 8.2%

A CNBC-TV18 roundup dated Nov 12, 2026 lists Post Office savings account interest at 4% a year, with a ₹500 minimum deposit and no maximum balance. The five-year Post Office Recurring Deposit rate is 6.7%; monthly deposits start at ₹100, with no maximum. Time Deposit rates are 6.9% for one year, 7% for two years, 7.1% for three years and 7.5% for five years. The minimum is ₹1,000, with no maximum.

Post Office Monthly Income Scheme pays 7.4% a year for five years. It needs a minimum ₹1,000 deposit and allows up to ₹9 lakh in a single account or ₹15 lakh in a joint account. Public Provident Fund pays 7.1% for 15 years; annual deposits range from ₹500 to ₹1.5 lakh, with tax benefits under Section 80C subject to applicable rules. National Savings Certificate pays 7.7% for five years, starts at ₹1,000, has no maximum investment limit and offers Section 80C tax benefits subject to applicable rules.

Kisan Vikas Patra pays 7.5% a year and doubles the investment in 115 months, or nine years and seven months; the minimum is ₹1,000, with no maximum. Senior Citizen Savings Scheme is for people aged 60 and above, pays 8.2% a year for five years, pays interest every three months and allows investments from ₹1,000 to ₹30 lakh. Sukanya Samriddhi Yojana pays 8.2% a year; parents or legal guardians can open an account for a girl below 10, deposit ₹250 to ₹1.5 lakh a year, and the account matures when she turns 21.

Rates are reviewed by the government, typically quarterly, and may change. PPF, SSY and SCSS are available at post offices and authorised banks.