By Niveshkarlo
September 12, 2026
Here are the major Post Office saving schemes and their current annual interest rates: – Sukanya Samriddhi: 8.2% – SCSS: 8.2% – NSC: 7.7% – KVP: 7.5% – 5-Year Time Deposit: 7.5% – Monthly Income Scheme: 7.4% – PPF: 7.1% – 5-Year RD: 6.7%
For retirement: SCSS can be considered by eligible senior citizens seeking regular interest income. For a girl child's future: Sukanya Samriddhi Account is designed specifically for eligible girl children. For long-term savings: PPF is designed for disciplined long-term saving with a 15-year initial tenure. For a 5-year goal: NSC and 5-year Post Office Time Deposit are options to evaluate.
The Public Provident Fund (PPF) currently offers 7.1% per annum. It has a 15-year initial tenure, with extension options in five-year blocks. PPF can be useful for investors who want to build a long-term savings corpus rather than seek regular income.
Two schemes currently offer the highest rate among the major small-savings options: SCSS — 8.2% p.a. Designed for eligible senior citizens, with interest paid quarterly. Sukanya Samriddhi — 8.2% p.a. Designed for eligible girl children and intended for long-term savings.
The Post Office Monthly Income Account (MIS) currently offers 7.4% per annum. Unlike schemes focused mainly on accumulation, MIS is structured to provide monthly interest payouts.