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Reference

Post Office Savings Schemes

Every scheme, rate, tenure and tax treatment in one table.

Updated 17 August 2026

Rates for July–September 2026 (Q2 FY 2026-27)

SchemeRateTenureMaximum investmentTaxation80C
Sukanya Samriddhi Yojana8.2%21 years from opening₹1.5 lakh/yearEEE — fully tax-freeYes
Senior Citizen Savings Scheme8.2%5 years, extendable by 3₹30 lakhInterest fully taxable; TDS above ₹1 lakhYes
National Savings Certificate7.7%5 yearsNo limitInterest taxable but reinvested interest qualifies for 80CYes
Kisan Vikas Patra7.5%~115 months (doubles)No limitInterest fully taxableNo
Post Office Monthly Income Scheme7.4%5 years₹9 lakh single / ₹15 lakh jointInterest fully taxableNo
Public Provident Fund7.1%15 years, extendable in 5-year blocks₹1.5 lakh/yearEEE — fully tax-freeYes

Data as of 1 Jul 2026Source: Ministry of Finance quarterly notification

Worth knowing.Rates are reset every quarter by the Ministry of Finance and have now held steady for several consecutive quarters. Sukanya Samriddhi and SCSS at 8.2% are the highest sovereign-guaranteed returns available to an Indian household — and SSY is tax-free on top, which makes its effective yield unbeatable for anyone in the 30% bracket with a daughter under 10.

Questions

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Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.