{"id":28894,"date":"2026-06-30T18:31:42","date_gmt":"2026-06-30T13:01:42","guid":{"rendered":"https:\/\/banitoday.com\/small-savings-schemes-interest-rates-for-july-sept-2026-announced-check-latest-rates-for-ppf-ssy-kisan-vikas-nsc-scss-more\/"},"modified":"2026-06-30T18:31:42","modified_gmt":"2026-06-30T13:01:42","slug":"small-savings-schemes-interest-rates-for-july-sept-2026-announced-check-latest-rates-for-ppf-ssy-kisan-vikas-nsc-scss-more","status":"publish","type":"post","link":"https:\/\/banitoday.com\/hi\/small-savings-schemes-interest-rates-for-july-sept-2026-announced-check-latest-rates-for-ppf-ssy-kisan-vikas-nsc-scss-more\/","title":{"rendered":"Small savings schemes interest rates for July-Sept 2026 announced: Check latest rates for PPF, SSY, Kisan Vikas, NSC, SCSS & more"},"content":{"rendered":"


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Latest small savings schemes rates for July-September 2026 quarter<\/span><\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n

Latest Post Office Small Savings Interest Rates: The interest on small savings savings, popularly known as post office savings schemes, have been declared for the second quarter of the current financial year 2026-2027. The interest rates for the July-September 2026 have been announced by the Finance Ministry.The Finance Ministry reviews interest rates on post office small savings schemes every quarter and announces them accordingly. The rates applicable to schemes such as the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizens Savings Scheme (SCSS), National Savings Certificate (NSC) and other small savings instruments are reviewed on a quarterly basis.The ministry has decided to leave the rates unchanged across all small savings schemes for the July-September quarter. Interest rates across these schemes have remained unchanged for a prolonged period. The last revision was announced for the January-March quarter of FY2023-24.In a notification, the Finance Ministry said, “The rates of interest on various Small Savings Schemes for the second quarter of FY 2026-27, starting from July 1, 2026, and ending on September 30, 2026, shall remain unchanged from those notified for the first quarter (March 1, 2026, to June 30, 2026) of FY 2026-27.”<\/p>\n

Latest Small Savings Interest Rates (Q2 FY2026-27)<\/h2>\n<\/p>\n

The current interest rates will continue for the July-September 2026 quarter. In an official notification, the Finance Ministry said that the interest rates applicable to various small savings schemes for the second quarter of FY2026-27, from July 1, 2026, to September 30, 2026, will remain unchanged from those notified for the previous quarter.<\/p>\n

\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Instruments<\/td>\nRate of Interest w.e.f 01.04.2026 to 30.06.2026<\/td>\nCompounding Frequency<\/td>\n<\/tr>\n
Post Office Savings Account<\/td>\n4.00%<\/td>\nAnnually<\/td>\n<\/tr>\n
1 Year Time Deposit<\/td>\n6.9% (Annual Interest \u20b9708 for \u20b910,000\/-)<\/td>\nQuarterly<\/td>\n<\/tr>\n
2 Year Time Deposit<\/td>\n7.0% (Annual Interest \u20b9719 for \u20b910,000\/-)<\/td>\nQuarterly<\/td>\n<\/tr>\n
3 Year Time Deposit<\/td>\n7.1% (Annual Interest \u20b9729 for \u20b910,000\/-)<\/td>\nQuarterly<\/td>\n<\/tr>\n
5 Year Time Deposit<\/td>\n7.5% (Annual Interest \u20b9771 for \u20b910,000\/-)<\/td>\nQuarterly<\/td>\n<\/tr>\n
5 Year Recurring Deposit Scheme<\/td>\n6.70%<\/td>\nQuarterly<\/td>\n<\/tr>\n
Senior Citizen Savings Scheme<\/td>\n8.2% (Quarterly Interest \u20b9205 for \u20b910,000\/-)<\/td>\nQuarterly and Paid<\/td>\n<\/tr>\n
Monthly Income Account<\/td>\n7.4% (Monthly Interest \u20b962 for \u20b910,000\/-)<\/td>\nMonthly and paid<\/td>\n<\/tr>\n
National Savings Certificate (VIII Issue)<\/td>\n7.7% (Maturity Value \u20b914,490 for \u20b910,000\/-)<\/td>\nAnnually<\/td>\n<\/tr>\n
Public Provident Fund Scheme<\/td>\n7.10%<\/td>\nAnnually<\/td>\n<\/tr>\n
Sukanya Samriddhi Yojana<\/td>\n8.20%<\/td>\nAnnually<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

According to the notification, the interest rate on the Sukanya Samriddhi Scheme has been retained at 8.2%, while three-year term deposits will continue to earn 7.1%.Experts say multiple factors influence the interest rates offered under small savings schemes. The most significant among them is the yield on government securities (G-Secs), as an increase in bond yields typically supports higher returns on these instruments. Inflation is another important consideration, with the government seeking to ensure that investors continue to receive attractive real returns. Monetary policy decisions by the Reserve Bank of India, especially changes in the repo rate and liquidity conditions, also affect G-Sec yields, which in turn influence small savings rates.Despite the market-linked mechanism used to determine these rates, experts believe the government does not rigidly follow the prescribed formula every quarter. Maintaining stable returns for small savers\u2014particularly senior citizens and retirees who depend on these schemes for a regular source of income\u2014remains an important consideration while deciding whether to revise interest rates.<\/div>\n


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Latest small savings schemes rates for July-September 2026 quarter Latest Post Office Small Savings Interest Rates: The interest on small savings savings, popularly known as post office savings schemes, have been declared for the second quarter of the current financial year 2026-2027. The interest rates for the July-September 2026 have been announced by the Finance […]<\/p>\n","protected":false},"author":1,"featured_media":28895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-28894","post","type-post","status-publish","format-standard","has-post-thumbnail"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/posts\/28894","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/comments?post=28894"}],"version-history":[{"count":0,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/posts\/28894\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/media\/28895"}],"wp:attachment":[{"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/media?parent=28894"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/categories?post=28894"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banitoday.com\/hi\/wp-json\/wp\/v2\/tags?post=28894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}