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📊 Latest Govt Interest Rates

As per Government of India (Ministry of Finance)
SSY (Sukanya) 8.2%
SCSS 8.2%
NSC 7.7%
KVP 7.5%
MIS 7.4%
PPF 7.1%
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Small Savings Interest Rates India 2026 PPF NSC SSY SCSS Government schemes

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Small Savings Schemes Interest Rates Oct-Dec 2026 | Ministry of Finance OM

Small Savings Schemes Interest Rates Oct-Dec 2026 | SSY 8.2%, SCSS 8.2%, PPF 7.1%
Small Savings Schemes Interest Rates Oct-Dec 2026

SMALL SAVINGS SCHEMES INTEREST RATES – Q3 FY 2026-27

Ministry of Finance, Department of Economic Affairs (Budget Division) – OM No. 1/4/2019-NS, Dated 30.09.2026
OM No. 1/4/2019-NS
Issuing Authority Ministry of Finance, Dept. of Economic Affairs
Issued By Masroor Ahmad, Deputy Secretary (Budget)
Period 1st Oct – 31st Dec 2026

Interest Rates

Unchanged
From Q2 FY 2026-27

Q3 Period

Oct – Dec 2026
1st October to 31st December

Highest Rate

8.2%
SSY & SCSS

Approval

Competent Authority
Ministry of Finance

Small Savings Schemes Interest Rates (Oct-Dec 2026)

SSY
Sukanya Samriddhi Yojana
8.2%
Per Annum
SCSS
Senior Citizen Savings Scheme
8.2%
Per Annum
NSC
National Savings Certificate
7.7%
Per Annum
KVP
Kisan Vikas Patra
7.5%
Per Annum
MIS
Monthly Income Scheme
7.4%
Per Annum
PPF
Public Provident Fund
7.1%
Per Annum
Note: These rates are applicable for the period 1st October 2026 to 31st December 2026 (Q3 FY 2026-27) and remain unchanged from Q2 FY 2026-27.

Quarter-wise Comparison

Current Quarter
Q3 FY 2026-27
1st October – 31st December 2026

Office Memorandum Details

  • Subject: Revision of interest rates for Small Savings Schemes - reg.
  • Decision: The rates of interest on various Small Savings Schemes for the third quarter of FY 2026-27 starting from 1st October, 2026 and ending on 31st December, 2026 shall remain unchanged from those notified for the second quarter (1st July, 2026 to 30th September, 2026) of FY 2026-27.
  • Approval: This has approval of the Competent Authority.
  • Issued By: Masroor Ahmad, Deputy Secretary (Budget), Ministry of Finance, Department of Economic Affairs.
  • Contact: Tele: 011-24013082

Important Points to Note

  • Q3 FY 2026-27: Interest rates applicable for 1st October to 31st December 2026.
  • Rates Unchanged: Rates remain unchanged from Q2 FY 2026-27 (1st July to 30th September 2026).
  • Highest Rate: 8.2% for Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS).
  • NSC: National Savings Certificate offers 7.7% per annum.
  • KVP: Kisan Vikas Patra offers 7.5% per annum.
  • MIS: Monthly Income Scheme offers 7.4% per annum.
  • PPF: Public Provident Fund offers 7.1% per annum.
  • Approval: Approved by the Competent Authority in the Ministry of Finance.
  • Issued By: Department of Economic Affairs (Budget Division).
  • OM Number: F.No. 1/4/2019-NS, dated 30th September 2026.

Download the Official OM or share this update:

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Frequently Asked Questions

What are the interest rates for Small Savings Schemes for Oct-Dec 2026?
For Q3 FY 2026-27 (1st October to 31st December 2026): SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, MIS 7.4%, PPF 7.1%.
Have the interest rates changed for Q3 FY 2026-27?
No. The interest rates on various Small Savings Schemes for Q3 FY 2026-27 shall remain unchanged from those notified for Q2 FY 2026-27 (1st July to 30th September 2026).
Which scheme offers the highest interest rate?
Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) offer the highest rate at 8.2% per annum.
What is the interest rate for PPF for Oct-Dec 2026?
The Public Provident Fund (PPF) offers 7.1% per annum for the period 1st October to 31st December 2026.
What is the interest rate for NSC and KVP?
National Savings Certificate (NSC) offers 7.7% and Kisan Vikas Patra (KVP) offers 7.5% per annum.
What is the period covered under this OM?
The OM covers the period from 1st October 2026 to 31st December 2026 (Q3 FY 2026-27).
Who issued this Office Memorandum?
The OM has been issued by Masroor Ahmad, Deputy Secretary (Budget), Ministry of Finance, Department of Economic Affairs (Budget Division).
What is the OM number and date?
The OM number is F.No. 1/4/2019-NS, dated 30th September 2026.
Which Small Savings Schemes are covered?
All Small Savings Schemes are covered, including Public Provident Fund (PPF), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), Monthly Income Scheme (MIS), and others.
Has the Competent Authority approved this?
Yes. The OM states that it has the approval of the Competent Authority.
Where can I download the official OM?
You can download the official OM using the Download PDF button provided on this page.