Newest Publish Workplace Curiosity Charges for Small Financial savings Schemes Jan–Mar 2026. See present PPF, NSC, SCSS & Sukanya Samriddhi Yojana charges.
India’s Publish Workplace Curiosity Charges proceed to be a most well-liked selection for conservative traders in search of protected, government-backed returns. The Small Financial savings Schemes are designed to cater to completely different funding horizons — from short-term mounted deposits to long-term retirement planning. This text supplies the newest Publish Workplace charges, detailed insights into every scheme, comparisons with different funding choices, historic developments, tax advantages, and ideas for maximizing returns.
Each quarter, the Authorities of India opinions and proclaims the rates of interest of Publish Workplace Small Financial savings Schemes (Publish Workplace Financial savings Schemes -Modifications efficient from 1st, April 2016). These schemes are extensively standard amongst small and conservative traders, primarily as a result of they’re backed by the Authorities of India, making them one of many most secure avenues for funding.
Newest Publish Workplace Curiosity Charges for Small Financial savings Schemes Jan–Mar 2026 | Small Financial savings Schemes
For this fourth quarter (January to March 2026) of monetary 12 months, the federal government has chosen to keep up the established order.
| Sl No. | Scheme Identify | Present Curiosity Fee |
| 1 | Financial savings Account | 4.00% |
| 2 | 1-12 months Time period Deposit (FD) | 6.90% |
| 3 | 2-12 months Time period Deposit (FD) | 7.00% |
| 4 | 3-12 months Time period Deposit (FD) | 7.10% |
| 5 | 5-12 months Time period Deposit (FD) | 7.50% |
| 6 | Recurring Deposit (5 Yrs) | 6.70% |
| 7 | Nationwide Financial savings Certificates (NSC) | 7.70% |
| 8 | Month-to-month Earnings Scheme (MIS) | 7.40% |
| 9 | Public Provident Fund (PPF) | 7.10% |
| 10 | Senior Citizen Financial savings Scheme (SCSS) | 8.20% |
| 11 | Kisan Vikas Patra (KVP) | 7.50% (doubles in 115 months) |
| 12 | Sukanya Samriddhi Yojana (SSY) | 8.20% |
What does this imply for traders?
- Senior Residents – The SCSS stays among the finest choices with 8.20% assured returns, a lot larger than common financial institution FDs.
- Mother and father of Lady Youngsters – The Sukanya Samriddhi Yojana (SSY) at 8.20% continues to be essentially the most rewarding scheme for long-term financial savings.
- Lengthy-term Traders – PPF at 7.10% stays enticing for its tax-free curiosity and EEE standing (Exempt-Exempt-Exempt).
- Protected Conservative Traders – NSC and Publish Workplace FDs proceed to be good alternate options to financial institution deposits with authorities security.
FAQs – Publish Workplace Curiosity Charges Jan – March 2026
1. What’s the newest PPF rate of interest for Jan to March 2026?
The PPF price stays 7.10% each year.
2. What’s the Senior Citizen Financial savings Scheme (SCSS) price in Jan to March 2026?
SCSS continues at 8.20% each year.
3. How lengthy will Kisan Vikas Patra (KVP) take to double in Jan to March 2026?
At 7.50%, KVP doubles in 115 months (9 years 7 months).
4. Which Publish Workplace scheme gives the very best return in Jan to March 2026?
Each SCSS and SSY supply 8.20%, the very best amongst all schemes.
Historic Pattern of Publish Workplace Curiosity Charges (2023 – 2026)
To grasp how rates of interest have moved within the current previous, right here’s a abstract of quarterly Publish Workplace Small Financial savings Scheme charges.
| Quarter | PPF | SSY | SCSS | NSC | KVP | 5-12 months FD | RD (5-12 months) | MIS |
|---|---|---|---|---|---|---|---|---|
| Jan – March 2026 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Oct–Dec 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Apr–Jun 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Jan–Mar 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Oct–Dec 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Apr–Jun 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Jan–Mar 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Oct–Dec 2023 | 7.10% | 8.00% | 8.00% | 7.70% | 7.50% | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2023 | 7.10% | 8.00% | 8.20% | 7.70% | 7.50% | 7.50% | 6.50% | 7.40% |
From this desk, it’s clear that rates of interest have remained steady for nearly two years, with solely minor tweaks to KVP maturity intervals and SSY/SCSS changes in 2023.
Options of Publish Workplace Financial savings Schemes
Now allow us to look on the Publish Workplace Small Financial savings Schemes options. This will provide you with extra readability in selecting the best product for you.
# Publish Workplace Financial savings Account
Like Financial institution Account, Publish Workplace additionally gives you the financial savings account to its prospects. The few options are as under.
- Minimal Rs.500 is required to open the account.
- Account may be opened single, collectively, Minor (above 10 years of age), or a guardian on behalf of a minor.
- Minimal steadiness to be maintained in an account is INR 500/- , if steadiness Rs. 500 not maintained, a upkeep price of 100 (100) rupees shall be deducted from the account on the final working day of every monetary 12 months and after deduction of the account upkeep price, if the steadiness within the account turns into nil, the account shall stand mechanically closed.
- Cheque facility/ATM facility can be found
- Curiosity earned is Tax-Free as much as INR 10,000/- per 12 months from the monetary 12 months 2012-13
- Account may be transferred from one publish workplace to a different
- One account may be opened in a single publish workplace.
- No less than one transaction of deposit or withdrawal in three monetary years is critical to maintain the account lively, else account turned silent (Dorment).
- Intra Operable Netbanking/Cellular Banking facility is out there.
- On-line Fund switch between Publish Workplace Financial savings Accounts/Cease Cheque/Transaction View facility is out there by Intra Operable Netbanking/Cellular Banking.
- The power to hyperlink with IPPB Saving Account is out there.
- Funds Switch (Sweep in/Sweep out) facility is out there with IPPB Saving Account.
# Publish Workplace Mounted Deposits (FDs)
- Minimal of Rs.1,000 and in multiples of Rs.100. There isn’t a most restrict.
- FD tenure at the moment accessible is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Account may be opened by money /Cheque and in case of Cheque the date of realization of cheque in Govt. account shall be date of opening of account.
- Account may be transferred from one publish workplace to a different
- Single account may be transformed into Joint and Vice Versa .
- Any variety of accounts may be opened in any publish workplace.
- Curiosity shall be payable yearly, No further curiosity shall be payable on the quantity of curiosity that has develop into due for cost however not withdrawn by the account holder.
- The annual curiosity could also be credited to the financial savings account of the account holder at his possibility.
- Untimely encashment not allowed earlier than expiry of 6 month, If closed between 6 month to 12 month from date of Opening, Publish Workplace Saving Accounts rate of interest will probably be payable.
- 5 Yrs FD is eligible for tax saving functions beneath Sec.80C.
# Publish Workplace Recurring Deposit (RD)
- Minimal is Rs.100 a month and in a number of of Rs.10. There isn’t a most restrict.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tenure of RD is 5 years.
- Account may be opened by money / Cheque and in case of Cheque the date of deposit shall be date of clearance of Cheque.
- Untimely closure is allowed after three years from the date of opening of the account.
- Account may be transferred from one Publish Workplace to a different Publish Workplace.
- Subsequent deposit may be made as much as fifteenth day of subsequent month if account is opened as much as fifteenth of a calendar month and as much as final working day of subsequent month if account is opened between sixteenth day and final working day of a calendar month.
- If a subsequent deposit is just not made as much as the prescribed day, a default price is charged for every default, default price @ 1 Rs for each 100 rupee shall be charged. After 4 common defaults, the account turns into discontinued and may be revived in two months but when the identical is just not revived inside this era, no additional deposit may be made.
- If in any RD account, there’s a month-to-month default quantity, the depositor has to first pay the defaulted month-to-month deposit with default price after which pay the present month deposit.
- There’s rebate on advance deposit of a minimum of 6 installments, Rs. 10 for six month and Rs. 40 for 12 months Rebate will probably be paid for the denomination of Rs. 100.
- One mortgage as much as 50% of the steadiness allowed after one 12 months. It might be repaid in a single lumpsum together with curiosity on the prescribed price at any time throughout the forex of the account.
- Account may be prolonged for one more 5 years after it’s maturity.
# Publish Workplace Month-to-month Earnings Scheme (MIS)
- Most funding is Rs.9 lakh in a single account and Rs.15 lakh collectively (It’s revised throughout the Price range 2023). Earlier it was Rs.4.5 lakh for a single account and Rs.9 lakh for joint accounts.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Any variety of accounts may be opened in any publish workplace topic to most funding restrict by including steadiness in all accounts (Rs. 4.5 Lakh).
- Single account may be transformed into Joint and Vice Versa.
- Maturity interval is 5 years.
- Curiosity may be drawn by auto credit score into financial savings account standing at similar publish workplace,orECS./In case of MIS accounts standing at CBS Publish workplaces, month-to-month curiosity may be credited into financial savings account standing at any CBS Publish workplaces.
- Might be prematurely en-cashed after one 12 months however earlier than 3 years on the low cost of two% of the deposit and after 3 years on the low cost of 1% of the deposit. (Low cost means deduction from the deposit.).
- Curiosity shall be payable to the account holder on completion of a month from the date of deposit.
- If the curiosity payable each month is just not claimed by the account holder such curiosity shall not earn any further curiosity.
# Publish Workplace Senior Citizen Financial savings Scheme (SCSS)
I’ve written an in depth publish on this. Check with the identical at ” Publish Workplace Senior Citizen Scheme (SCSS)-Advantages and Curiosity Fee“.
Be aware – Efficient from 1st April 2023, the utmost restrict is at the moment Rs.30 lakh. Earlier it was Rs.15 lakh. This modification occurred throughout Price range 2023.
# Public Provident Fund (PPF)
I’ve written varied posts on PPF. Refer the identical:-
# Nationwide Financial savings Certificates NSC (VIII Situation)
- Minimal Rs.1,000 and in a number of of Rs.100.
- No most restrict.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tax Profit beneath Sec.80C is out there.
- Tenure is 5 years.
# Kisan Vikas Patra (KVP) Account
- Minimal Rs.1,000 and in multiples of Rs.100. There isn’t a most restrict.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- The cash will probably be double at maturity. Nevertheless, because the rate of interest adjustments on a quarterly foundation. The maturity interval additionally varies as soon as in 1 / 4.
# Sukanya Samriddhi Account Yojana (SSY)
I’ve written varied posts on this. Refer the identical:-
Conclusion
The Publish Workplace Small Financial savings Scheme rates of interest for January to March 2025 stay unchanged from July–September 2025. This resolution supplies much-needed stability to traders, particularly those that want protected, government-backed devices over risky market-linked choices.
For traders, the important thing takeaway is:
- SCSS and SSY (8.20%) stay essentially the most rewarding.
- PPF (7.10%) continues to be a strong long-term tax-saving funding.
- NSC and FDs stay good alternate options for regular revenue seekers.
As at all times, traders ought to align their decisions with their monetary targets, liquidity wants, and tax issues.
