Adobe Stock
Every three months, the government sets the interest rates for small savings schemes such as PPF, Senior Citizen Savings Scheme, NSC, KVP, Sukanya Samriddhi Yojana and post office deposits. The table below shows their rates for the last eight quarters, or two years, so you can see how they have moved. We have also added SBI's fixed deposit rates to help you compare.Interest rate of small-saving schemes (%)
Interest rate of small-saving schemes (%)
| Scheme | Oct-Dec, 2026 | Jul-Sep, 2026 | Apr-Jun, 2026 | Jan-Mar, 2026 | Oct-Dec, 2025 | Jul-Sep, 2025 | Apr-Jun, 2025 | Jan-Mar, 2025 |
|---|---|---|---|---|---|---|---|---|
| PORD 5 year | 6.70 | 6.70 | 6.70 | 6.70 | 6.70 | 6.70 | 6.70 | 6.70 |
| POTD 1 year | 6.90 | 6.90 | 6.90 | 6.90 | 6.90 | 6.90 | 6.90 | 6.90 |
| POTD 2 year | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 |
| POTD 3 year | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 |
| POTD 5 year | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 |
| POMIS | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 |
| PPF | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 | 7.10 |
| SSY | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 |
| SCSS | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 | 8.20 |
| NSC | 7.70 | 7.70 | 7.70 | 7.70 | 7.70 | 7.70 | 7.70 | 7.70 |
| KVP | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 |
| RBI Floating Rate Bonds | 8.05 | 8.05 | 8.05 | 8.05 | 8.05 | 8.05 | 8.05 | 8.05 |
| PMVVY* | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 | 7.40 |
| PORD - Post Office Recurring Deposit POTD - Post Office Time Deposit POMIS - Post Office Monthly Income Scheme SCSS - Senior Citizen Savings Scheme NSC - National Savings Certificate KVP - Kisan Vikas Patra SSY - Sukanya Samriddhi Yojana PMVVY - Pradhan Mantri Vaya Vandana Yojana *The interest rate mentioned is for investments made until March 2023, as PMVVY was discontinued after that. |
||||||||
SBI FD rates (%)
| Tenors | General public | Senior citizens |
| 7 days to 45 days | 3.05 | 3.55 |
| 46 days to 179 days | 4.9 | 5.4 |
| 180 days to 210 days | 5.65 | 6.15 |
| 211 days to less than 1 year | 5.9 | 6.4 |
| 1 year to less than 2 years | 6.25 | 6.75 |
| 2 years to less than 3 years | 6.4 | 6.9 |
| 3 years to less than 5 years | 6.3 | 6.8 |
| 5 years and up to 10 years | 6.05 | 7.05* |
| Interest rates are applicable for a deposit of below Rs 3 crore, as of September 30, 2026. *Including additional premium of 50 bps under "SBI Wecare" deposit scheme. | ||
To get a comprehensive overview of the savings and investment options in India, click here.
Ask Value Research 
New episodes every Friday 
New Process Alert 
Seems like you've uploaded a wrong QR code. Please upload the QR code downloaded from MF Central platform.
