The interest rates for the period from 1st January 2026 to 31st March 2026 of ‘Post office and small savings schemes’ like PPF, KVP, SSY, SCSS, NSC, MIS, post office savings deposit, Time deposit, Recurring deposits have been declared on 31st December 2025 by the Finance Ministry.
| Savings Scheme Name | Interest Rates (%) | Interest Rates (%) | Interest Rates change (%) |
| Oct – Dec 2025 | Jan – Mar 2026 | ||
| Last Quarter | Current Quarter | ||
| Savings Deposit (P.O.) | 4.0 | 4.0 | No Change |
| 1 Year Time Deposit (P.O.) | 6.8 | 6.9 | No Change |
| 2 Year Time Deposit (P.O.) | 6.9 | 7.0 | No Change |
| 3 Year Time Deposit (P.O.) | 7.1 | 7.1 | No Change |
| 5 Year Time Deposit (P.O.) | 7.5 | 7.5 | No Change |
| 5 Year Recurring Deposit (P.O.) | 6.2 | 6.7 | No Change |
| Senior citizen Savings scheme | 8.2 | 8.2 | No Change |
| Monthly Income Account (P.O.) | 7.4 | 7.4 | No Change |
| National Savings Certificate | 7.7 | 7.7 | No Change |
| Public provident fund scheme | 7.1 | 7.1 | No Change |
| Kisan Vikas Patra | 7.5 | 7.5 | No Change |
| Sukanya Samriddhi Account scheme | 8.2 | 8.2 | No Change |
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Govt. order of ‘Post office fixed deposits and small savings schemes Interest rates’ from 1st January 2026 to 31st March 2026:
For Post office fixed deposit and small savings schemes Interest rates, there is no change in the interest rate for the period of 01.01.2026 to 31.03.2026. This rates are declared for PPF, KVP, SSY, SCSS, NSC, MIS, post office savings deposit, Time deposit, Recurring deposits.
Post office and small savings Interest rates from 1st January 2026 to 31st March 2026 has been declared on 31.12.25 by Govt. of India. The finance ministry declares the revised interest rates for these small savings schemes quarterly, means every 3 months.
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Summary of Interest rates of Post office and Small savings schemes for period 1st January 2026 to 31st March 2026:
- Rate of interest of ‘Post office Savings account’ for period 1st January 2026 to 31st March 2026 is 4 %, unchanged from the last quarter.
- Rate of interest of ‘Post office 1-year Time Deposits (TD)’ for period 1st January 2026 to 31st March 2026 is 6.9%, unchanged from the last quarter.
- Rate of interest of ‘Post office 2-year Time Deposits (TD)’ for period 1st January 2026 to 31st March 2026 is 7.0%, unchanged from the last quarter.
- Rate of interest of ‘Post office 3-year Time Deposits (TD)’ for period 1st January 2026 to 31st March 2026 is 7.1%, unchanged from the last quarter.
- Rate of interest of ‘Post office 5-year Time Deposits (TD)’ for period 1st January 2026 to 31st March 2026 is 7.5%, unchanged from the last quarter.
- Rate of interest of ‘Post office 5-year Recurring Deposits Scheme (RD)’ for period 1st January 2026 to 31st March 2026 is 6.7%, unchanged from the last quarter.
- Rate of interest of ‘Senior citizen Savings scheme (SCSS)’ for period 1st January 2026 to 31st March 2026 is 8.2%, unchanged from the last quarter.
- Rate of interest of ‘Monthly Income Scheme (MIS)’ for period 1st January 2026 to 31st March 2026 is 7.4%, unchanged from the last quarter.
- Rate of interest of ‘National Savings Certificate (NSC)’ for period 1st January 2026 to 31st March 2026 is 7.7%, unchanged from the last quarter.
- Rate of interest of ‘Public provident fund (PPF) scheme’ for period 1st January 2026 to 31st March 2026 is 7.1%, unchanged from the last quarter.
- Rate of interest of ‘Kisan Vikas Patra (KVP)’ for period 1st January 2026 to 31st March 2026 is 7.5% (will mature in 120 months), unchanged from the last quarter.
- Rate of interest of ‘Sukanya Samriddhi Yojana (SSY) Account’ for period 1st January 2026 to 31st March 2026 is 8.2%, unchanged from the last quarter.
The Government of India offers many small savings schemes through post offices and banks. These schemes are :
- Savings Deposit (Post Office)
- 1-year, 2-year, 3-year, 5-year Time deposits (TD)
- Recurring deposits (RD)
- Senior citizen Savings scheme (SCSS)
- Monthly Income Scheme (MIS)
- National Savings Certificate (NSC)
- Public provident fund (PPF) scheme
- Kisan Vikas Patra (KVP)
- Sukanya Samriddhi Yojana (SSY) Account
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These small savings schemes are usually the main savings for lower and middle class people. Also, investing in these small savings schemes helps in saving income tax. So, these small savings schemes are actually very much popular among us.
Instruments of small savings schemes in post office and bank are:
The post office Savings Deposit interest rates, post office 1-year interest rates, post office 2-year interest rates, post office 3-year interest rates, post office 5-year time deposits interest rates, post office 5-year Recurring deposits interest rates, Senior citizen Savings scheme interest rates, post office Monthly Income Account interest rates, National Savings Certificate interest rates, Public provident fund scheme interest rates, Kisan Vikas Patra interest rates, Sukanya Samriddhi Yojana scheme interest rates are mentioned below:
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Post office and small savings schemes Interest rates from 1st January 2026 to 31st March 2026:
The Post office and small savings schemes Interest rates from 1st January 2026 to 31st March 2026 and other details like Minimum amount to deposit annually in the schemes, Maximum amount to deposit annually in the schemes, Maturity period, Entry age of schemes and scheme’s compounding frequency rates like quarterly, half-yearly or annually. (Source)
| small savings schemes | Interest Rates (%) | Interest Rates (%) | change (%) | Minimum Amount | Maximum Amount | Maturity Period | Entry Age (Yr) | Compounding frequency |
| (01.10.25 to 31.12.25) | (01.01.26 to 31.03.26) | (Yearly) | ||||||
| Savings Deposit (P.O.) | 4 | 4 | same | 500 | No Limit | NA | 10 | Annually |
| 1 Year Time Deposit (P.O.) | 6.9 | 6.9 | same | 1000 | No Limit | 1 Yr | 10 | Quarterly |
| 2 Year Time Deposit (P.O.) | 7.0 | 7.0 | same | 1000 | No Limit | 2 Yr | 10 | Quarterly |
| 3 Year Time Deposit (P.O.) | 7.1 | 7.1 | same | 1000 | No Limit | 3 Yr | 10 | Quarterly |
| 5 Year Time Deposit (P.O.) | 7.5 | 7.5 | same | 1000 | No Limit | 5 Yr | 10 | Quarterly |
| 5 Year Recurring Deposit (P.O.) | 6.7 | 6.7 | +0.2% | 100 | No Limit | 5 Yr | 10 | Quarterly |
| Senior citizen Savings scheme | 8.2 | 8.2 | same | 1000 | 15 Lakh | 5 Yr | 60 | Quarterly and paid |
| Monthly Income Account (P.O.) | 7.4 | 7.4 | same | 1000 | 4.5 / 9 Lakh for Single / joint | 5 Yr | 10 | Monthly and paid |
| National Savings Certificate | 7.7 | 7.7 | same | 1000 | No Limit | 5 Yr | 10 | Annually |
| Public provident fund scheme | 7.1 | 7.1 | same | 500 | 1.5 Lakh / year | 15 Yr | 18 | Annually |
| Kisan Vikas Patra | 7.5 (will mature in 115 months) | 7.5 (will mature in 115 months) | same | 1000 | No Limit | 2 X | 10 | Annually |
| Sukanya Samriddhi Account scheme | 8.2 | 8.2 | same | 250 | 1.5 Lakh / year | 21 Yr | 0-10 | Annually |
Also Read: All Govt. Bank’s FD interest rates
Past or historical Interest rates of Post office and small savings schemes:
| Period | PO SD | 1-Y TD (PO) | 2-Y TD (PO) | 3-Y TD (PO) | 5-Y TD (PO) | 5-Y RD (PO) | SCSC | MIA (PO) | NSC | PPF | KVP | SSY |
| 01.04.26 – 30.06.26 | ||||||||||||
| 01.01.26 – 31.03.26 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.10.25 – 31.12.25 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.07.25 – 30.09.25 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.04.25 – 30.06.25 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.01.25 – 31.03.25 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.10.24 – 31.12.24 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.07.24 – 30.09.24 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.04.24 – 30.06.24 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.01.24 – 31.03.24 | 4 | 6.9 | 7 | 7.1 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8.2 |
| 01.10.23 – 31.12.23 | 4 | 6.9 | 7 | 7 | 7.5 | 6.7 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8 |
| 01.07.23 – 30.09.23 | 4 | 6.9 | 7 | 7 | 7.5 | 6.5 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8 |
| 01.04.23 – 30.06.23 | 4 | 6.8 | 6.9 | 7 | 7.5 | 6.2 | 8.2 | 7.4 | 7.7 | 7.1 | 7.5 | 8 |
| 01.01.23 – 31.03.23 | 4 | 6.6 | 6.8 | 6.9 | 7 | 5.8 | 8 | 7.1 | 7 | 7.1 | 7.2 | 7.6 |
| 01.10.22 – 31.12.22 | 4 | 5.5 | 5.7 | 5.8 | 6.7 | 5.8 | 7.6 | 6.7 | 6.8 | 7.1 | 7 | 7.6 |
| 01.07.22 – 30.09.22 | 4 | 5.5 | 5.7 | 5.8 | 6.7 | 5.8 | 7.6 | 6.7 | 6.8 | 7.1 | 7 | 7.6 |
| 01.04.22 – 30.06.22 | 4 | 5.5 | 5.7 | 5.8 | 6.7 | 5.8 | 7.6 | 6.7 | 6.8 | 7.1 | 7 | 7.6 |
| 01.01.22 – 31.03.22 | 4 | 5.5 | 5.7 | 5.8 | 6.7 | 5.8 | 7.6 | 6.7 | 6.8 | 7.1 | 7 | 7.6 |
Disclaimer: For any clarification, contact post office or concerned bank. Consult financial advisors before investing.
Post office interest rate please intimate time’to time for me
sure..you will be updated quarterly as soon as the government releases data..