Newest Submit Workplace Curiosity Charges for Small Financial savings Schemes Jan–Mar 2026. See present PPF, NSC, SCSS & Sukanya Samriddhi Yojana charges.
India’s Submit Workplace Curiosity Charges proceed to be a most popular selection for conservative traders searching for secure, 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 gives the newest Submit Workplace chargesdetailed insights into every scheme, comparisons with different funding choices, historic traits, tax advantages, and ideas for maximizing returns.
Each quarter, the Authorities of India evaluations and declares the rates of interest of Submit Workplace Small Financial savings Schemes (Submit Workplace Financial savings Schemes -Adjustments efficient from 1st, April 2016). These schemes are extensively in style amongst small and conservative traders, primarily as a result of they’re backed by the Authorities of Indiamaking them one of many most secure avenues for funding.
Newest Submit 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 keep up the established order.
| Sl No. | Scheme Identify | Present Curiosity Charge |
| 1 | Financial savings Account | 4.00% |
| 2 | 1-Yr Time period Deposit (FD) | 6.90% |
| 3 | 2-Yr Time period Deposit (FD) | 7.00% |
| 4 | 3-Yr Time period Deposit (FD) | 7.10% |
| 5 | 5-Yr 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 the most effective choices with 8.20% assured returnsa lot larger than common financial institution FDs.
- Mother and father of Woman Kids – 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 Submit Workplace FDs proceed to be good alternate options to financial institution deposits with authorities security.
FAQs – Submit 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% per yr.
2. What’s the Senior Citizen Financial savings Scheme (SCSS) fee in Jan to March 2026?
SCSS continues at 8.20% per yr.
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 Submit Workplace scheme affords the very best return in Jan to March 2026?
Each SCSS and SSY supply 8.20%the very best amongst all schemes.
Historic Development of Submit Workplace Curiosity Charges (2023 – 2026)
To know how rates of interest have moved within the latest previous, right here’s a abstract of quarterly Submit Workplace Small Financial savings Scheme charges.
| Quarter | PPF | SSY | SCSS | NSC | KVP | 5-Yr FD | RD (5-Yr) | 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–June 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–June 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 secure for nearly two years, with solely minor tweaks to KVP maturity intervals and SSY/SCSS changes in 2023.
Options of Submit Workplace Financial savings Schemes
Now allow us to look on the Submit Workplace Small Financial savings Schemes options. This gives you extra readability in selecting the best product for you.
# Submit Workplace Financial savings Account
Like Financial institution Account, Submit Workplace additionally affords you the financial savings account to its clients. The few options are as beneath.
- Minimal Rs.500 is required to open the account.
- Account will 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 will be transferred from one put up workplace to a different
- One account will be opened in a single put up workplace.
- No less than one transaction of deposit or withdrawal in three monetary years is important to maintain the account lively, else account turned silent (Dorment).
- Intra Operable Netbanking/Cell Banking facility is accessible.
- On-line Fund switch between Submit Workplace Financial savings Accounts/Cease Cheque/Transaction View facility is accessible by way of Intra Operable Netbanking/Cell Banking.
- The power to hyperlink with IPPB Saving Account is accessible.
- Funds Switch (Sweep in/Sweep out) facility is accessible with IPPB Saving Account.
# Submit Workplace Mounted Deposits (FDs)
- Minimal of Rs.1,000 and in multiples of Rs.100. There isn’t any most restrict.
- FD tenure presently accessible is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
- Account will be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Account will 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 will be transferred from one put up workplace to a different
- Single account will be transformed into Joint and Vice Versa .
- Any variety of accounts will be opened in any put up workplace.
- Curiosity shall be payable yearly, No further curiosity shall be payable on the quantity of curiosity that has grow to be due for fee 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, Submit Workplace Saving Accounts rate of interest will probably be payable.
- 5 Yrs FD is eligible for tax saving functions below Sec.80C.
# Submit Workplace Recurring Deposit (RD)
- Minimal is Rs.100 a month and in a number of of Rs.10. There isn’t any most restrict.
- Account will be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tenure of RD is 5 years.
- Account will 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 will be transferred from one Submit Workplace to a different Submit Workplace.
- Subsequent deposit will 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 just isn’t 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 will be revived in two months but when the identical just isn’t revived inside this era, no additional deposit will 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’s rebate on advance deposit of not less than 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 stability allowed after one yr. It could be repaid in a single lumpsum together with curiosity on the prescribed fee at any time in the course of the forex of the account.
- Account will be prolonged for an additional 5 years after it’s maturity.
# Submit 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 in the course of the Price range 2023). Earlier it was Rs.4.5 lakh for a single account and Rs.9 lakh for joint accounts.
- Account will be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Any variety of accounts will be opened in any put up workplace topic to most funding restrict by including stability in all accounts (Rs. 4.5 Lakh).
- Single account will be transformed into Joint and Vice Versa.
- Maturity interval is 5 years.
- Curiosity will be drawn by way of auto credit score into financial savings account standing at similar put up workplace,orECS./In case of MIS accounts standing at CBS Submit workplaces, month-to-month curiosity will be credited into financial savings account standing at any CBS Submit workplaces.
- Could 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 just isn’t claimed by the account holder such curiosity shall not earn any further curiosity.
# Submit Workplace Senior Citizen Financial savings Scheme (SCSS)
I’ve written an in depth put up on this. Consult with the identical at ” Submit Workplace Senior Citizen Scheme (SCSS)-Advantages and Curiosity Charge“.
Be aware – Efficient from 1st April 2023, the utmost restrict is presently Rs.30 lakh. Earlier it was Rs.15 lakh. This variation 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 Subject)
- Minimal Rs.1,000 and in a number of of Rs.100.
- No most restrict.
- Account will be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tax Profit below Sec.80C is accessible.
- Tenure is 5 years.
# Kisan Vikas Patra (KVP) Account
- Minimal Rs.1,000 and in multiples of Rs.100. There isn’t any most restrict.
- Account will 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. Nonetheless, 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 Submit Workplace Small Financial savings Scheme rates of interest for January to March 2025 stay unchanged from July–September 2025. This choice gives much-needed stability to tradersparticularly those that choose secure, government-backed devices over risky market-linked choices.
For traders, 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 all the time, traders ought to align their selections with their monetary targets, liquidity wants, and tax concerns.
