PPF, NSC, SCSS interest rates for July-September 2026 declared: Has anything changed?
The Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) will continue to offer 8.2%, the highest among the major small savings schemes.
If you invest in government-backed small savings schemes such as the Public Provident Fund (PPF), National Savings Certificate (NSC) or Senior Citizen Savings Scheme (SCSS), there is no change in interest rates for the July-September 2026 quarter. The Finance Ministry has once again decided to keep the rates unchanged, offering stability to millions of investors.
INTEREST RATES REMAIN UNCHANGED FOR ANOTHER QUARTER
The Finance Ministry has announced that interest rates on all small savings schemes will remain the same for the second quarter of the financial year 2026-27, covering the period from July 1 to September 30, 2026.
This marks the ninth consecutive quarter in which the government has not changed the interest rates for these schemes. The same rates that applied during the April-June 2026 quarter will continue for the next three months.
In its notification, the Finance Ministry said that the interest rates for the July-September 2026 quarter will remain unchanged from those notified for the previous quarter.
WHICH SCHEMES ARE COVERED?
The decision applies to all major small savings schemes offered through post offices and banks. These include the Public Provident Fund, National Savings Certificate, Senior Citizen Savings Scheme, Sukanya Samriddhi Yojana, Kisan Vikas Patra, the Post Office Monthly Income Scheme, Post Office Time Deposits and the Post Office Recurring Deposit..
These schemes continue to be popular among investors looking for safe and guaranteed returns backed by the government.
CURRENT INTEREST RATES FOR JULY-SEPTEMBER 2026
The PPF will continue to offer 7.1% interest per annum.
The SCSS and SSY will continue to offer 8.2%, the highest among the major small savings schemes.
The NSC will continue to earn 7.7%, while the POMIS will offer 7.4%. Kisan Vikas Patra will continue to provide 7.5% interest per annum.
Among Post Office Time Deposits, the one-year deposit will earn 6.9%, the two-year deposit 7%, the three-year deposit 7.1%, and the five-year deposit 7.5%. The five-year Post Office Recurring Deposit will continue to offer 6.7% interest per annum.
It must be mentioned that the last major revision in small savings interest rates was made during the January-March quarter of FY 2023-24.
Later, in April 2024, the government increased interest rates only for two schemes. The rate on the three-year Post Office Time Deposit was raised from 7% to 7.1%, while the Sukanya Samriddhi Yojana rate was increased from 8% to 8.2%.
Since then, interest rates on all other small savings schemes have remained unchanged.
If you invest in government-backed small savings schemes such as the Public Provident Fund (PPF), National Savings Certificate (NSC) or Senior Citizen Savings Scheme (SCSS), there is no change in interest rates for the July-September 2026 quarter. The Finance Ministry has once again decided to keep the rates unchanged, offering stability to millions of investors.
INTEREST RATES REMAIN UNCHANGED FOR ANOTHER QUARTER
The Finance Ministry has announced that interest rates on all small savings schemes will remain the same for the second quarter of the financial year 2026-27, covering the period from July 1 to September 30, 2026.
This marks the ninth consecutive quarter in which the government has not changed the interest rates for these schemes. The same rates that applied during the April-June 2026 quarter will continue for the next three months.
In its notification, the Finance Ministry said that the interest rates for the July-September 2026 quarter will remain unchanged from those notified for the previous quarter.
WHICH SCHEMES ARE COVERED?
The decision applies to all major small savings schemes offered through post offices and banks. These include the Public Provident Fund, National Savings Certificate, Senior Citizen Savings Scheme, Sukanya Samriddhi Yojana, Kisan Vikas Patra, the Post Office Monthly Income Scheme, Post Office Time Deposits and the Post Office Recurring Deposit..
These schemes continue to be popular among investors looking for safe and guaranteed returns backed by the government.
CURRENT INTEREST RATES FOR JULY-SEPTEMBER 2026
The PPF will continue to offer 7.1% interest per annum.
The SCSS and SSY will continue to offer 8.2%, the highest among the major small savings schemes.
The NSC will continue to earn 7.7%, while the POMIS will offer 7.4%. Kisan Vikas Patra will continue to provide 7.5% interest per annum.
Among Post Office Time Deposits, the one-year deposit will earn 6.9%, the two-year deposit 7%, the three-year deposit 7.1%, and the five-year deposit 7.5%. The five-year Post Office Recurring Deposit will continue to offer 6.7% interest per annum.
It must be mentioned that the last major revision in small savings interest rates was made during the January-March quarter of FY 2023-24.
Later, in April 2024, the government increased interest rates only for two schemes. The rate on the three-year Post Office Time Deposit was raised from 7% to 7.1%, while the Sukanya Samriddhi Yojana rate was increased from 8% to 8.2%.
Since then, interest rates on all other small savings schemes have remained unchanged.
