Revised PO Small Savings Schemes Interest Rates- from 2019 to 2025-Public Provident Fund(PPF),Sukanya Samriddhi Account, National Savings Certificates(NSC), Senior Citizens' Savings Account(SCSA), Kisan Vikas Patra(KVP),Monthly Income Deposit Account,

All in one Banking

Small Savings Scheme

For Bankers and Pensioners

Deposits Schemes- Rates

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Know your NSC Accrued Interest eligible for deduction from Income tax for FY 2025-26.

Post Office Small Savings Interest Rates-FY 2026-27
Updated on 10.07.2026-

Scheme Name 2026
Apr-Jun 2026
Jul-Sep 2026
Oct-Dec 2027
Jan-Mar

Savings Deposit 4.00 4.00

1 Year Time Deposit 6.90 6.90

2 Year Time Deposit 7.00 7.00

3 Year Time Deposit 7.10 7.10

5 Year Time Deposit 7.50 7.50

5 Year Recurring Deposit 6.70 6.70

5yr Senior Citizen's Savings 8.20 8.20

5yr Monthly Income Deposit 7.40 7.40

National Savings Certificate. 7.70 7.70

Public Provident Fund 7.10 7.10

Kisan Vikas Patra 7.50 7.50

Sukanya Samriddhi Account. 8.20 8.20

Post Office Small Savings Interest Rates-FY 2024-25**

Scheme Name	2024 Apr-Jun	2024 Jul-Sep	2024 Oct-Dec	2025 Jan-Mar
Savings Deposit	4.00	4.00	4.00	4.00
1 Year Time Deposit	6.90	6.90	6.90	6.90
2 Year Time Deposit	7.00	7.00	7.00	7.00
3 Year Time Deposit	7.10	7.10	7.10	7.10
5 Year Time Deposit	7.50	7.50	7.50	7.50
5 Year Recurring Deposit	6.70	6.70	6.70	6.70
5yr Senior Citizen's Savings	8.20	8.20	8.20	8.20
5yr Monthly Income Deposit	7.40	7.40	7.40	7.40
National Savings Certificate.	7.70	7.70	7.70	7.70
Public Provident Fund	7.10	7.10	7.10	7.10
Kisan Vikas Patra	7.50	7.50	7.50	7.50
Sukanya Samriddhi Account.	8.20	8.20	8.20	8.20

Know your NSC Accrued Interest eligible for deduction from Income tax for FY 2025-26.

Post Office Small Savings Interest Rates-FY 2023-24

Scheme Name	2023 Apr-Jun	2023 Jul-Sep	2023 Oct-Dec	2024 Jan-Mar
Savings Deposit	4.00	4.00	4.00	4.00
1 Year Time Deposit	6.80	6.90	6.90	6.90
2 Year Time Deposit	6.90	7.00	7.00	7.00
3 Year Time Deposit	7.00	7.00	7.00	7.01
5 Year Time Deposit	7.50	7.50	7.50	7.50
5 Year Recurring Deposit	6.20	6.50	6.50	6.70
5yr Senior Citizen's Savings	8.20	8.20	8.20	8.20
5yr Monthly Income Deposit	7.40	7.40	7.40	7.40
National Savings Certificate.	7.70	7.70	7.70	7.70
Public Provident Fund	7.10	7.10	7.10	7.10
Kisan Vikas Patra	7.50	7.50	7.50	7.50
Sukanya Samriddhi Account.	8.00	8.00	8.00	8.20

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Small Savings Schemes interest rates.
From 1st January 2019 to 31st March 2024.

Scheme Name	From 01st January to 31st March 2023	From 01st April 2023 to 30th June 2023	From 01st July 2023 to 30th September 2023	From 01st October 2023 to 31st December 2023	From 01st January 2024 to 31st March 2024
Savings Account	4	4	4	4	4
1 Year Time Deposit Account	6.6	6.8	6.9	6.9	6.9
2 Year Time Deposit Account	6.8	6.9	7	7	7
3 Year Time Deposit Account	6.9	7	7	7	7.1
5 Year Time Deposit Account	7	7.5	7.5	7.5	7.5
5 Year Recurring Deposit Account	5.8	6.2	6.5	6.5	6.7
5 Year Senior Citizen's Savings Account	8	8.2	8.2	8.2	8.2
5 Year Monthly Income Deposit Account	7.1	7.4	7.4	7.4	7.4
5 Year National Savings Certificate.	7	7.7	7.7	7.7	7.7
Public Provident Fund Account	7.1	7.1	7.1	7.1	7.1
Kisan Vikas Patra	7.2	7.5	7.5	7.5	7.5
Sukanya Samriddhi Account.	7.6	8	8	8	8.2

Scheme Name	From 01st January to 31st March 2020	From 01st April 2020 to 30th September 2022	From 01st October 2022 to 31st December 2022
Savings Account	4	4	4
1 Year Time Deposit Account	6.9	5.5	5.5
2 Year Time Deposit Account	6.9	5.5	5.7
3 Year Time Deposit Account	6.9	5.5	5.8
5 Year Time Deposit Account	7.7	6.7	6.7
5 Year Recurring Deposit Account	7.2	5.8	5.8
5 Year Senior Citizen's Savings Account	8.6	7.4	7.6
5 Year Monthly Income Deposit Account	7.6	6.6	6.7
5 Year National Savings Certificate.	7.9	6.8	6.8
Public Provident Fund Account	7.9	7.1	7.1
Kisan Vikas Patra	7.6	6.9	7
Sukanya Samriddhi Account.	8.4	7.6	7.6

From 1st January 2019 to 31st March 2019.

Scheme Name	From 01st January 2019 to 31st March 2019	From 01st April 2019 to 30th June 2019	From 1st July 2019 to 30th September 2019	From 1st October 2019 to 31 st december 2019
Savings Account	4	4	4	4
1 Year Time Deposit Account	7	7	6.9	6.9
2 Year Time Deposit Account	7	7	6.9	6.9
3 Year Time Deposit Account	7	7	6.9	6.9
5 Year Time Deposit Account	7.8	7.8	7.7	7.7
5 Year Recurring Deposit Account	7.3	7.3	7.2	7.2
5 Year Senior Citizen's Savings Account	8.7	8.7	8.6	8.6
5 Year Monthly Income Deposit Account	7.7	7.7	7.6	7.6
5 Year National Savings Certificate.	8	8	7.9	7.9
Public Provident Fund Account	8	8	7.9	7.9
Kisan Vikas Patra	7.7	7.7	7.6	7.6
Sukanya Samriddhi Account.	8.5	8.5	8.4	8.4