ചെറുകിട സമ്പാദ്യ പദ്ധതികളുടെ പലിശ നിരക്കിൽ മാറ്റമില്ല: ഒക്ടോബർ-ഡിസംബർ പാദത്തിലെ പുതിയ വിവരങ്ങൾ ഇതാ

PPF, SCSS, NSC, MIS & other small savings scheme interest rates for October- December 2026

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Latest small savings scheme interest rates

The government has not changed interest rates of small savings schemes like the Public Provident Fund (PPF), National Savings Certificate (NSC), Senior Citizen Savings Scheme (SCSS), Post Office Monthly Income Scheme (POMIS) and others for the October-December 2026 quarter (FY 2026-27). After the Finance Ministry's announcement about small savings scheme rates, the SCSS and Sukanya Samriddhi Account (SSA) still offer the joint highest interest rate at 8.2% each.

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PPF interest rate

The Public Provident Fund (PPF) offers an interest rate of 7.10% for the October-December 2026 quarter. Furthermore, investments in the PPF qualify for a tax deduction of up to Rs 1.5 lakh in a financial year under Section 123 of the Income-Tax Act, 2025 under the old tax regime. The scheme has a 15-year maturity period and offers tax-free returns, making it a popular long-term investment choice.

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NSC interest rate

The National Savings Certificate (NSC) has an interest rate of 7.70% for the October-December 2026 quarter. There is no TDS (tax deducted at source) on the NSC's interest. Furthermore, investments in the NSC are eligible for a tax deduction of up to Rs 1.5 lakh in a financial year under Section 123 of the Income-ax Act 2025.

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Post Office Monthly Income Scheme (POMIS) interest rate

The Post Office Monthly Income Scheme (POMIS) gives an interest rate of 7.40%. The scheme's minimum investment is Rs 1,000. The scheme comes with a maximum investment limit of Rs 9 lakh for single accounts and Rs 15 lakh for combined accounts. However, the POMIS provides no tax benefits on investments and any interest earned is completely taxed.

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Senior Citizens' Savings Scheme (SCSS) interest rate

The Senior Citizens' Savings Scheme (SCSS) is offering the joint highest interest rate of 8.20% with Sukanya Samriddhi Account (SSA) among all small savings schemes for the October-December 2026 quarter.

The scheme has a 5-year tenure and is available to individuals aged 60 years and above. In addition to stable returns, the SCSS provides tax benefits on investments, with investments eligible for a deduction of up to Rs 1.5 lakh in a financial year under Section 123 of the Income-tax Act 2025.

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Sukanya Samriddhi Account (SSAY) interest rate

Sukanya Samriddhi Yojana (SSA) offers an interest rate of 8.20% for the October- December 2026 quarter. The scheme requires a minimum annual investment of Rs 250 and allows a maximum investment of Rs 1.5 lakh per financial year. Investments in the SSY qualify for a tax deduction of up to Rs 1.5 lakh per financial year under Section 123 of the Income-Tax Act 2025. The interest earned is completely tax-free.

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Kisan Vikas Patra (KVP) interest rate

Kisan Vikas Patra (KVP) offers an interest rate of 7.50% per annum. It requires a minimum investment of Rs 1,000, while there is no maximum investment limit. Unlike some other small savings schemes, the KVP does not offer any tax benefits, and the interest earned is taxable.

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Post Office Time Deposit (POTD) and Recurring Deposit interest rates

The Post Office Time Deposit (POTD) scheme offers interest rates ranging from 6.9% to 7.5% depending on the tenure. It is available in tenures of 1, 2, 3, and 5 years. Among these, only the 5-year deposit qualifies for tax deduction of up to Rs 1.5 lakh per financial year under Section 123 of the Income-tax Act 2025.

On the other hand, the Post Office Recurring Deposit (RD) offers an interest rate of 6.70% for the July-September quarter. It does not offer any tax benefits.