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| Field | Value |
|---|---|
| (under 60 characters) | Post Office Interest Rates Oct–Dec 2026: No Change |
| (under 160 characters) | Small savings interest rates for Q3 FY 2026-27 (1 Oct to 31 Dec 2026) stay unchanged. Read SB Order 12/2026 and the scheme-wise rate list. |
| URL slug | /post-office-small-savings-interest-rates-oct-dec-2026 |
| Focus keyword | Post Office Interest Rates October 2026 |
| Secondary keywords | Small Savings Schemes Interest Rates, SB Order 12/2026, India Post Circulars, India Post Latest News, India Post GK |
| Tags | India Post Notifications, India Post Current Affairs, PPF, SSY, SCSS, NSC, India Post Departmental Exam |
| Featured image alt text | Post office small savings interest rates for October to December 2026 |
| Category | India Post Circulars |
Tip for Google Analytics: add UTM codes to share links, for example ?utm_source=whatsapp&utm_medium=social&utm_campaign=ssr_q3_2026. Interest rate posts get repeat searches every quarter, so keep this URL and update it rather than making a new page each time.
Interest Rates Stay the Same for October to December 2026
If you save money in the post office, here is a quick update. The Government has decided not to change the interest rates on Small Savings Schemes for the third quarter of FY 2026-27. This covers the period from 1 October 2026 to 31 December 2026.
The Ministry of Finance announced this through an Office Memorandum dated 30 September 2026. On the same day, the Department of Posts issued SB Order No. 12/2026 to pass this on to all Circles and post offices.
So the rates you saw from July to September 2026 will continue for the next three months.
Quick Facts
| Detail | Information |
|---|---|
| DoP order | SB Order No. 12/2026, F. No. 113-03/2026, dated 30.09.2026 |
| Issued by | Financial Services Division, Department of Posts (Prasenjit Chatarji, Assistant Director SB-I) |
| Based on | MoF (DEA, Budget Division) OM No. 1/4/2019-NS dated 30.09.2026 |
| Signed by (MoF) | Masroor Ahmad, Deputy Secretary (Budget) |
| Period covered | Q3 FY 2026-27: 1 October 2026 to 31 December 2026 |
| Decision | Rates unchanged from Q2 (1 July to 30 September 2026) |
| Display | To be placed on the notice board of all post offices in public area |
Post Office Interest Rates: 1 October to 31 December 2026
Since the rates are the same as July–September 2026, here is the full list you can use at the counter or share with customers.
| Scheme | Interest rate (% per year) | Compounding / payment |
|---|---|---|
| Post Office Savings Account | 4.0 | Yearly |
| 1-Year Time Deposit | 6.9 | Quarterly |
| 2-Year Time Deposit | 7.0 | Quarterly |
| 3-Year Time Deposit | 7.1 | Quarterly |
| 5-Year Time Deposit | 7.5 | Quarterly |
| 5-Year Recurring Deposit (RD) | 6.7 | Quarterly |
| Senior Citizens Savings Scheme (SCSS) | 8.2 | Paid quarterly |
| Monthly Income Scheme (MIS) | 7.4 | Paid monthly |
| National Savings Certificate (NSC) | 7.7 | Yearly, paid at maturity |
| Public Provident Fund (PPF) | 7.1 | Yearly |
| Kisan Vikas Patra (KVP) | 7.5 | Doubles in 115 months |
| Sukanya Samriddhi Yojana (SSY) | 8.2 | Yearly |
The highest rates are still 8.2% on SCSS and Sukanya Samriddhi. PPF stays at 7.1% and NSC at 7.7%.
Sources: PPF, SSY, SCSS, NSC, KVP and MIS rates for Jul–Sep 2026 as reported by Upstox, RupeeKit and Business Today. Savings account, TD and RD rates are the long-standing rates in force since 2024; please cross-check all figures with the official India Post rate chart before publishing.
What This Means for You
For depositors:
- Any new account or deposit opened between 1 October and 31 December 2026 gets the same rate as last quarter.
- Fixed-term schemes like NSC, KVP, TD, MIS and SCSS lock in the rate on the day you invest, for the full term.
- PPF and SSY rates can change every quarter, but they stay the same for now.
For post office staff:
- No change is needed in rate charts or software for this quarter.
- As directed in the order, display it on the notice board in the public area of every post office.
- Use the table above to answer customer questions quickly at the counter.
Why Exam Aspirants Should Remember This
Savings Bank schemes are a regular part of almost every India Post Departmental Exam. Questions on interest rates, compounding and scheme rules often come in:
- GDS to MTS Exam and GDS to Postman Departmental Exam
- MTS to PA Departmental Exam and Postman to PA Departmental Exam
- PA SA Departmental Exam and other India Post Promotion Exams
Quick points to note down:
- SB Order No. 12/2026 is dated 30.09.2026.
- MoF OM No. is 1/4/2019-NS, from the Budget Division of DEA.
- Rates are reviewed every quarter by the Ministry of Finance.
- SCSS and SSY give the highest rate at 8.2%; the Savings Account gives the lowest at 4.0%.
Add these to your India Post GK and India Post Current Affairs notes, and practise SB questions in India Post Mock Tests.
Frequently Asked Questions
Q1. Have post office interest rates changed from 1 October 2026?
No. Rates for 1 October to 31 December 2026 are the same as for July to September 2026.
Q2. What is the PPF interest rate for October–December 2026?
PPF continues at 7.1% per year.
Q3. What is the Sukanya Samriddhi Yojana rate now?
SSY continues at 8.2% per year.
Q4. What is the SCSS interest rate?
The Senior Citizens Savings Scheme continues at 8.2% per year, paid quarterly.
Q5. Which order announced this?
Department of Posts SB Order No. 12/2026 dated 30.09.2026, based on the Ministry of Finance OM No. 1/4/2019-NS of the same date.
Q6. When will the next review happen?
The Ministry of Finance reviews rates every quarter. Rates for January–March 2027 are usually announced near the end of December 2026.
Final Words
No change means stability. Depositors can plan their savings for the next three months with the same rates, and post office staff can carry on without updating rate charts.
For exam aspirants, this is an easy fact to remember and a common question in Savings Bank sections. Keep your notes updated every quarter, because rate questions are asked in almost every departmental exam.
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