The Ministry of Finance has kept interest rates on all Small Savings Schemes unchanged for the October–December 2026 quarter.
The rate of Interest chart:
| Scheme | Interest rate for October -December 2026 | Interest rate for July-September 2026 | Interest compounded |
| Savings account | 4.00% | 4.00% | Annual rest |
| 1-year time deposit | 6.90% | 6.90% | Quarterly rest |
| 2-years’ time deposit | 7.00% | 7.00% | Quarterly rest |
| 3-years’ time deposit | 7.10% | 7.00% | Quarterly rest |
| 5-years’ time deposit | 7.50% | 7.50% | Quarterly rest |
| 5-years’ Recurring Deposit | 6.70% | 6.70% | Quarterly rest |
| 5years’ Senior Citizen Saving Scheme(SCSS) | 8.20% | 8.20% | Interest paid quarterly, Quarterly rest |
| 5- years Monthly Income Account Scheme | 7.40% | 7.40% | Interest paid monthly, |
| 5 -years NSC | 7.70% | 7.70% | Annual rest |
| PPF (Public Provident Fund) | 7.10% | 7.10% | Annual rest |
| KVP (Kisan Vikas Patra) | 7.50 %(matures in115 months) | 7.50 %(matures in115 months) | Annual rest |
| Sukanya Samriddhi Account Scheme | 8.20% | 8.20% | Annual rest |
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