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Small savings interest rates, October–December 2026

The government sets these rates every quarter. For October–December 2026, every rate was kept unchanged from the previous quarter. Updated 29 October 2026.

SchemeRate (per year)Note
Post Office Savings Account4.0%
1-year Time Deposit6.9%
2-year Time Deposit7.0%
3-year Time Deposit7.1%
5-year Time Deposit7.5%धारा 123 (पुरानी 80C), old regime
5-year Recurring Deposit6.7%
Monthly Income Scheme7.4%Paid monthly
National Savings Certificate7.7%5 years; धारा 123 (पुरानी 80C), old regime
Kisan Vikas Patra7.5%Doubles in 115 months
Public Provident Fund7.1%15 years; tax-free
Sukanya Samriddhi8.2%21 years; tax-free
Senior Citizens Savings Scheme8.2%Paid quarterly
Employees' Provident Fund8.25%For 2025–26; declared yearly

What the rates mean in rupees

  • PPF at 7.1%: ₹1.5 lakh a year for 15 years, deposited by 5 April, grows to ₹40,68,209.
  • Sukanya Samriddhi at 8.2%: ₹1.5 lakh a year for 15 years grows to about ₹71.8 lakh at 21 years.
  • KVP at 7.5%: money doubles in 115 months, a little under 9 years 7 months.
  • Rule of 72: divide 72 by the rate to get roughly how many years money takes to double. At 7.1%, about 10 years.

How often these change

Rates are reviewed every quarter and announced shortly before it starts, usually on the last working day of the previous quarter. A new rate applies to all PPF and Sukanya Samriddhi accounts from that quarter; for NSC, KVP and time deposits, the rate on the day you invest stays fixed for that deposit. The EPF rate is declared once a year.

The calculators on this site use these rates as defaults. If a rate changes mid-way through your plan, the result changes with it.

Common questions

What is the PPF interest rate now?

7.1% a year for October–December 2026.

What is the Sukanya Samriddhi rate now?

8.2% a year for October–December 2026.

What is the EPF interest rate?

8.25% for 2025–26, declared once a year.

Sources

Checked 29 October 2026.