Post Office Small Savings Interest Rates (Jul–Sep 2026): PPF, SSY, SCSS, NSC & More
Current interest rates for PPF, Sukanya Samriddhi, Senior Citizen Savings, NSC, KVP, MIS, RD and time deposits, with calculators.
The Finance Ministry reviews small savings rates every quarter. For Jul–Sep 2026 the rates are:
| Scheme | Rate (p.a.) | Calculator |
|---|---|---|
| Public Provident Fund (PPF) | 7.1% | PPF |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | SSY |
| Senior Citizen Savings Scheme (SCSS) | 8.2% | SCSS |
| National Savings Certificate (NSC) | 7.7% | NSC |
| Kisan Vikas Patra (KVP) | 7.5% (doubles in 115 months) | KVP |
| Monthly Income Scheme (MIS) | 7.4% | MIS |
| 5-year Recurring Deposit | 6.7% | RD |
| Time Deposit 1 / 2 / 3 / 5 year | 6.9% / 7.0% / 7.1% / 7.5% | TD |
Which one suits whom?
- Daughter under 10: SSY usually offers the highest rate and tax benefits.
- Long-term, tax-free: PPF (15-year lock-in, EEE tax status).
- Retired, need regular income: SCSS pays quarterly; MIS pays monthly.
- Fixed 5-year saving with 80C: NSC or 5-year Time Deposit.
Rates change quarterly. This page and all our calculators are updated from one central list; always confirm with India Post or your bank before investing. This is information, not financial advice.