Small Savings Rates Unchanged for October–December 2026: PPF 7.1%, SSY 8.2%, NSC 7.7%

Rates at a Glance

For the October–December 2026 quarter, rates remain: Public Provident Fund (PPF) 7.1 per cent, National Savings Certificate (NSC) 7.7 per cent, Sukanya Samriddhi Yojana (SSY) 8.2 per cent, Senior Citizens’ Savings Scheme (SCSS) 8.2 per cent and Kisan Vikas Patra (KVP) 7.5 per cent.

Post Office Deposits

The Post Office 3-year time deposit is at 7.1 per cent, the 5-year time deposit at 7.5 per cent and the Monthly Income Scheme at 7.4 per cent.

Tenth Quarter Without a Change

The notification marks the tenth consecutive quarter with no change in small savings rates; the July–September rates continue to apply till 31 December 2026.

Using These Schemes Wisely

These are government-backed options suited to goals such as a daughter’s education, retirement income or a safe emergency corner. Match the lock-in period to your need, and confirm current terms at your post office or bank.

Sourced from Finance Ministry notification coverage by Outlook Money and CalcGuru, September 2026. For information only.