Savings & Rates
PPF stays at 7.1%, Sukanya Samriddhi at 8.2%: small savings rates unchanged for October–December 2026
The Government has kept interest rates on all small savings schemes unchanged for Q3 of FY 2026-27 — the tenth quarter in a row without a change.
The Government has kept interest rates on small savings schemes unchanged for the October–December 2026 quarter, the third quarter of FY 2026-27. It is the tenth straight quarter with no change.
Rates from 1 October to 31 December 2026
| Scheme | 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% |
| 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 RD (5 years) | 6.7% |
What it means for savers
- PPF and SSY balances keep earning the same rate this quarter.
- NSC, KVP, SCSS, MIS and time deposits lock in the rate on the day you invest.
- The next review is for January–March 2027.
Plan your deposits with the free PPF calculator and Sukanya Samriddhi calculator.
Calculate it yourselfPPF calculator →FD calculator →
Sources
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