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India’s post office savers will keep earning the same rates through September 2026, while SCSS and Sukanya accounts continue to offer the highest 8.2%.
Key Highlights
The Business Standard announced the decision on June 30, 2026. Across India, PPF stays at 7.1%, NSC at 7.7%, KVP at 7.5% and MIS at 7.4%.
Retirees avoid an immediate drop in quarterly income. Long-term savers get no increase, though. PPF has stayed at 7.1% since April 2020, so inflation can gradually weaken the buying power of its return.
The National Savings Institute lists the full rate card. Moneycontrol and The Economic Times reported it on June 30.
A pensioner may prefer quarterly SCSS payouts. A parent saving for a daughter may accept Sukanya Samriddhi’s longer tenure.
A LoansJagat calculation using the notified rates shows the cash impact. The ₹30 lakh SCSS ceiling and MIS limits of ₹9 lakh individually and ₹15 lakh jointly were confirmed by PIB on April 1, 2023.
Changes in withdrawal options affect the practicality of the plan. Receiving ₹61,500 quarterly may cover rent or medical. Eligibility, tax, and early closure terms still apply.
Moneycontrol reported that there have been no changes for 9 quarters. The last discontinuous changes occurred between January and March of 2024 when the rates for Sukanya Samriddhi were updated from 8% to 8.2% and the 3-Year Time Deposit was updated from 7% to 7.1%.
A LoansJagat report dated April 2, 2026 recorded SCSS at 8.2% for April-June. Savers can keep emergency cash accessible, then choose by payout, tenure, taxation and withdrawal conditions.
Post office rates remain between 4% and 8.2% through September 30, 2026. The choice depends on income needs, tenure and access to money.
Which plans give 8.2%?
Both the Sukanya Samriddhi Yojana and the SCSS will offer an 8.2% return until September 30, 2026.
Has PPF gone up?
No, the rate of PPF is still 7.1%.
Is it advisable to invest a large amount in post office fixed deposits?
Yes, it is advisable that post office fixed deposits offer low-risk savings. Just check the rules on the lock-in period, tax and withdrawals first.
Is an 8.75% fixed deposit worth keeping?
Yes, usually, if you can trust the bank. Just check the post-tax returns before moving the money.
7.5% / 6.7%
