Rates for October–December 2026
| Scheme | Rate a year | How it pays |
|---|---|---|
| Public Provident Fund | 7.10% | Compounded yearly; the rate applies to the balance and can change each quarter |
| Sukanya Samriddhi Account | 8.20% | Compounded yearly; the rate applies to the balance and can change each quarter |
| Senior Citizens' Savings Scheme | 8.20% | Paid quarterly for 5 years; fixed at the rate on the day of deposit |
| Post Office Monthly Income Scheme | 7.40% | Paid monthly for 5 years; fixed at deposit |
| National Savings Certificate | 7.70% | Compounded yearly, paid at maturity after 5 years; fixed at deposit |
| Kisan Vikas Patra | 7.50% | Doubles the deposit over a fixed term; fixed at deposit (115 months at this rate) |
| RBI Floating Rate Savings Bonds 2020 | 8.05% | Paid half-yearly for 7 years; resets every six months to the NSC rate + 0.35% (July–December 2026) |
Interest from all of these is taxable at your slab rate. Next quarter's rates are due by 1 Jan 2027, and this page is updated when they are checked.
Every quarter recorded
Newest first. The record begins with April–June 2026: a quarter is added only once its rates have been checked, so earlier quarters are not listed from memory.
| Quarter | ppf | ssy | scss | pomis | nsc | kvp | Checked against |
|---|---|---|---|---|---|---|---|
| October–December 2026 | 7.10% | 8.20% | 8.20% | 7.40% | 7.70% | 7.50% | Ministry of Finance (DEA) OM F.No.1/4/2019-NS dated 30 September 2026, 17 Oct 2026 |
| July–September 2026 | 7.10% | 8.20% | 8.20% | 7.40% | 7.70% | 7.50% | Ministry of Finance (DEA) OM F.No.1/4/2019-NS dated 30 June 2026, 17 Oct 2026 |
| April–June 2026 | 7.10% | 8.20% | 8.20% | 7.40% | 7.70% | 7.50% | Ministry of Finance (DEA) OM F.No.1/4/2019-NS dated 30 March 2026, 17 Oct 2026 |
Small savings rates and limits, October–December 2026 — set by Ministry of Finance (quarterly notification); Reserve Bank of India for the Floating Rate Savings Bonds 2020. Last verified .
The rates for PPF (7.1%), SSY (8.2%), SCSS (8.2%), POMIS (7.4%), NSC (7.7%) and KVP (7.5%, doubling in 115 months) for the October–December 2026 quarter, and the RBI bond’s 8.05% for July–December 2026 (NSC + 0.35%). Also the limits: ₹1,000 minimum; SCSS up to ₹30 lakh; POMIS up to ₹9 lakh single, ₹15 lakh joint. Checked against Ministry of Finance (DEA) OM F.No.1/4/2019-NS dated 30 September 2026.
Check the source