📋 Small Savings Schemes Interest Rates
Q3 FY 2026-27 (01 October 2026 - 31 December 2026)
Official Notification: Department of Posts, Ministry of Communications, and Department of Economic Affairs, Ministry of Finance, Government of India
✓ Official Announcement
The Government of India has notified that the interest rates on various Small Savings Schemes for the third quarter of FY 2026-27, covering the period from 1 October 2026 to 31 December 2026, shall remain unchanged from the rates notified for the second quarter of FY 2026-27.
Current Interest Rates - Q3 FY 2026-27
📊 Small Savings Scheme Interest Rates
The official Q3 notification states that the interest rates remain unchanged from Q2 FY 2026-27. Accordingly, the rates applicable during Q3 are carried forward from the previous quarter.
| Scheme Name | Interest Rate (% p.a.) | Tenure / Features |
|---|---|---|
| Sukanya Samriddhi Yojana (SSY) | 8.20% | For girl child; tax benefits subject to applicable rules |
| Senior Citizen Savings Scheme (SCSS) | 8.20% | For eligible senior citizens; quarterly interest payout |
| National Savings Certificate (NSC) | 7.70% | 5-year maturity |
| Kisan Vikas Patra (KVP) | 7.50% | Maturity period based on prevailing rules |
| Public Provident Fund (PPF) | 7.10% | 15-year maturity |
| Post Office Term Deposit - 5 Years | 7.50% | 5-year term deposit |
| Monthly Income Scheme (MIS) | 7.40% | Monthly interest payout |
| Post Office Term Deposit - 3 Years | 7.10% | 3-year term deposit |
| Post Office Term Deposit - 2 Years | 7.00% | 2-year term deposit |
| Post Office Recurring Deposit (RD) - 5 Years | 6.70% | 5-year recurring deposit |
| Post Office Term Deposit - 1 Year | 6.90% | 1-year term deposit |
| Post Office Savings Account | 4.00% | Savings account |
Key Information for Q3 FY 2026-27
01 October 2026 to 31 December 2026
Rates remain unchanged from Q2 FY 2026-27
SB Order No. 12 / 2026 dated 30 September 2026
Ministry of Finance, Government of India
Official Notification Details
Department of Posts - Small Savings Order
Order: SB Order No. 12 / 2026
Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.10.2026
Issue Date: 30.09.2026
Issuing Department: Department of Posts, Financial Services Division, Ministry of Communications
Department of Economic Affairs - Office Memorandum
Ministry: Ministry of Finance, Department of Economic Affairs (Budget Division)
Subject: Revision of interest rates for Small Savings Schemes
Quarter: Third Quarter of FY 2026-27
Period: 01 October 2026 to 31 December 2026
Decision: Interest rates remain unchanged from Q2 FY 2026-27.
Action Items
The Department of Posts order requests circulation of the notification to concerned offices and placement on the notice boards of Post Offices in public areas.
Rate Stability Information
For Q3 FY 2026-27, the Government of India has kept the Small Savings Scheme interest rates unchanged from the rates applicable during Q2 FY 2026-27.
The applicable Q3 period is: 01 October 2026 to 31 December 2026.
Official Sources
1. Department of Posts - SB Order No. 12 / 2026
View / Download Official Department of Posts PDF
2. Department of Economic Affairs - Ministry of Finance
Educational Purpose Only: The information provided on this page is for general informational and educational purposes only.
Official Sources: Readers should verify scheme-specific rules, eligibility, taxation, maturity and withdrawal conditions from the relevant Government of India notifications and official authorities.
Accuracy: While reasonable care has been taken in preparing this page, official notifications should be treated as the authoritative source where any discrepancy exists.
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