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 popular alternative for conservative buyers in search of secure, government-backed returns. The Small Financial savings Schemes are designed to cater to totally different funding horizons — from short-term fastened deposits to long-term retirement planning. This text offers the newest Publish Workplace charges, detailed insights into every scheme, comparisons with different funding choices, historic tendencies, tax advantages, and suggestions for maximizing returns.
Each quarter, the Authorities of India evaluations and declares the rates of interest of Publish Workplace Small Financial savings Schemes (Publish Workplace Financial savings Schemes -Adjustments efficient from 1st, April 2016). These schemes are broadly widespread amongst small and conservative buyers, 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 yr, the federal government has chosen to take care of the established order.
| Sl No. | Scheme Title | Present Curiosity Price |
| 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 Revenue 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 buyers?
- Senior Residents – The SCSS stays probably the greatest choices with 8.20% assured returns, a lot increased than common financial institution FDs.
- Dad and mom of Woman Youngsters – The Sukanya Samriddhi Yojana (SSY) at 8.20% continues to be probably the most rewarding scheme for long-term financial savings.
- Lengthy-term Traders – PPF at 7.10% stays engaging for its tax-free curiosity and EEE standing (Exempt-Exempt-Exempt).
- Secure 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 fee stays 7.10% each year.
2. What’s the Senior Citizen Financial savings Scheme (SCSS) fee 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 provides the best return in Jan to March 2026?
Each SCSS and SSY provide 8.20%, the 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 durations 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 offers you extra readability in selecting the best product for you.
# Publish Workplace Financial savings Account
Like Financial institution Account, Publish Workplace additionally provides you the financial savings account to its clients. The few options are as under.
- Minimal Rs.500 is required to open the account.
- Account might be opened single, collectively, Minor (above 10 years of age), or a guardian on behalf of a minor.
- Minimal stability to be maintained in an account is INR 500/- , if stability Rs. 500 not maintained, a upkeep payment of 100 (100) rupees shall be deducted from the account on the final working day of every monetary yr and after deduction of the account upkeep payment, if the stability within the account turns into nil, the account shall stand routinely closed.
- Cheque facility/ATM facility can be found
- Curiosity earned is Tax-Free as much as INR 10,000/- per yr from the monetary yr 2012-13
- Account might be transferred from one submit workplace to a different
- One account might be opened in a single submit workplace.
- At the very least one transaction of deposit or withdrawal in three monetary years is critical to maintain the account lively, else account grew to become silent (Dorment).
- Intra Operable Netbanking/Cell Banking facility is offered.
- On-line Fund switch between Publish Workplace Financial savings Accounts/Cease Cheque/Transaction View facility is offered by way of Intra Operable Netbanking/Cell Banking.
- The ability to hyperlink with IPPB Saving Account is offered.
- Funds Switch (Sweep in/Sweep out) facility is offered with IPPB Saving Account.
# Publish Workplace Fastened Deposits (FDs)
- Minimal of Rs.1,000 and in multiples of Rs.100. There isn’t a most restrict.
- FD tenure at present accessible is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Account might 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 might be transferred from one submit workplace to a different
- Single account might be transformed into Joint and Vice Versa .
- Any variety of accounts might be opened in any submit workplace.
- Curiosity shall be payable yearly, No extra curiosity shall be payable on the quantity of curiosity that has change 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 shall be payable.
- 5 Yrs FD is eligible for tax saving functions underneath 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 might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tenure of RD is 5 years.
- Account might 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 might be transferred from one Publish Workplace to a different Publish Workplace.
- Subsequent deposit might 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 will not be made as much as the prescribed day, a default payment is charged for every default, default payment @ 1 Rs for each 100 rupee shall be charged. After 4 common defaults, the account turns into discontinued and might be revived in two months but when the identical will not be revived inside this era, no additional deposit might 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 payment after which pay the present month deposit.
- There may be rebate on advance deposit of a minimum of 6 installments, Rs. 10 for six month and Rs. 40 for 12 months Rebate shall be paid for the denomination of Rs. 100.
- One mortgage as much as 50% of the stability allowed after one yr. It might be repaid in a single lumpsum together with curiosity on the prescribed fee at any time through the forex of the account.
- Account might be prolonged for one more 5 years after it’s maturity.
# Publish Workplace Month-to-month Revenue Scheme (MIS)
- Most funding is Rs.9 lakh in a single account and Rs.15 lakh collectively (It’s revised through the Finances 2023). Earlier it was Rs.4.5 lakh for a single account and Rs.9 lakh for joint accounts.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Any variety of accounts might be opened in any submit workplace topic to most funding restrict by including stability in all accounts (Rs. 4.5 Lakh).
- Single account might be transformed into Joint and Vice Versa.
- Maturity interval is 5 years.
- Curiosity might be drawn by way of auto credit score into financial savings account standing at identical submit workplace,orECS./In case of MIS accounts standing at CBS Publish places of work, month-to-month curiosity might be credited into financial savings account standing at any CBS Publish places of work.
- May be prematurely en-cashed after one yr 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 will not be claimed by the account holder such curiosity shall not earn any extra curiosity.
# Publish Workplace Senior Citizen Financial savings Scheme (SCSS)
I’ve written an in depth submit on this. Check with the identical at ” Publish Workplace Senior Citizen Scheme (SCSS)-Advantages and Curiosity Price“.
Notice – Efficient from 1st April 2023, the utmost restrict is at present Rs.30 lakh. Earlier it was Rs.15 lakh. This variation occurred throughout Finances 2023.
# Public Provident Fund (PPF)
I’ve written varied posts on PPF. Refer the identical:-
# Nationwide Financial savings Certificates NSC (VIII Problem)
- Minimal Rs.1,000 and in a number of of Rs.100.
- No most restrict.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tax Profit underneath Sec.80C is offered.
- 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 might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- The cash shall be double at maturity. Nonetheless, because the rate of interest modifications 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 determination offers much-needed stability to buyers, particularly those that choose secure, government-backed devices over risky market-linked choices.
For buyers, the important thing takeaway is:
- SCSS and SSY (8.20%) stay probably 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 earnings seekers.
As at all times, buyers ought to align their selections with their monetary targets, liquidity wants, and tax concerns.
