PPF, SSY, NSC, SCSS Interest Rates for October–December 2026: Unchanged
Small savings interest rates for Q3 FY 2026-27 (1 October – 31 December 2026) are unchanged: PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5% and more. Full table.
In short: the Government has kept small savings interest rates unchanged for the October–December 2026 quarter (Q3 of FY 2026-27). This is the tenth quarter in a row without a change.
Rates for 1 October – 31 December 2026
| Scheme | Interest rate |
|---|---|
| Public Provident Fund (PPF) | 7.1% |
| Sukanya Samriddhi Yojana (SSY) | 8.2% |
| Senior Citizens Savings Scheme (SCSS) | 8.2% |
| National Savings Certificate (NSC) | 7.7% |
| Kisan Vikas Patra (KVP) | 7.5% |
| Post Office Monthly Income Scheme (MIS) | 7.4% |
| Post Office Time Deposit — 1 / 2 / 3 / 5 years | 6.9% / 7.0% / 7.1% / 7.5% |
| Post Office Recurring Deposit (5 years) | 6.7% |
What it means for you
- PPF and SSY rates apply to your whole balance for the quarter, so your yearly interest stays the same as before. Plan contributions with the PPF calculator and Sukanya Samriddhi calculator.
- NSC, KVP, SCSS, MIS and time deposits lock in the rate on the day you invest, for the full term.
- Compare with bank FDs using the FD calculator and RD calculator.
Rates are reviewed every quarter; the next review is for January–March 2027.
Sources
- Angel One — small savings rates for October–December 2026
- Outlook Money — rates unchanged: PPF 7.10%, NSC 7.70%
- Small savings rates for Oct–Dec 2026
Updated 2 October 2026. Always confirm the current rate at India Post or your bank before investing.
Frequently asked questions
What is the PPF interest rate for October–December 2026?
7.1% per year, unchanged from the previous quarter.
What is the Sukanya Samriddhi interest rate now?
8.2% per year for October–December 2026.
Does the NSC rate change after I invest?
No. NSC, KVP, SCSS and time deposits keep the rate that applied on the day you invested, for the full term.
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