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Government Small Savings Schemes Interest Rates India 2026
Complete guide to Post Office and Government savings schemes rates. Compare PPF, SSY, NSC, SCSS, and KVP interest rates.
Last updated: 6/2/2026, 11:10:40 AM
Data Points
| Item | Value | Change |
|---|---|---|
| Senior Citizen Savings Scheme | 8.2% p.a. | |
| Sukanya Samriddhi Yojana | 8.2% p.a. | |
| National Savings Certificate | 7.7% p.a. | |
| Kisan Vikas Patra | 7.5% p.a. | |
| Post Office Time Deposit (5Y) | 7.5% p.a. | |
| Post Office Monthly Income | 7.4% p.a. | |
| Public Provident Fund (PPF) | 7.1% p.a. | |
| Post Office Time Deposit (1Y) | 6.9% p.a. | |
| Post Office Recurring Deposit | 6.7% p.a. | |
| Post Office Savings Account | 4% p.a. |
Key Insights
- 1Highest rate: 8.2% (SCSS & SSY)
- 2SCSS and SSY offer highest rates with tax benefits
- 3PPF and SSY have EEE tax status (completely tax-free)
- 4Small savings rates are revised quarterly by govt
Methodology
Rates as announced by Ministry of Finance for Q4 FY26. Rates are subject to quarterly revision.