October–December small-savings quarter begins with interest rates unchanged

The September 30 decision keeps PPF at 7.1%, Sukanya Samriddhi and the senior-citizens scheme at 8.2%, and NSC at 7.7% for the new quarter.

Ready to listen

SpeedDownload audio

Synthetic narration of the full report. No device voice installation needed. Refer to the text for names and figures.

Made by Alan

1 October 2026 · 1 min read

Article

Report prepared 1 Oct 2026, 2:47 pm IST · Event date shown above

AI illustration

AI-generated editorial illustration of a generic post-office savings counter and blank passbook. It is symbolic artwork, not a real account, a particular branch or a guarantee of investment returns.

Understand this story

ASAL AI

Editorial summary

The September 30 decision keeps PPF at 7.1%, Sukanya Samriddhi and the senior-citizens scheme at 8.2%, and NSC at 7.7% for the new quarter.

Event / development: 1 Oct 2026
Location: National

Use neural AI on this report

Generate a short AI reading note. First use downloads about 290 MB; slower devices may not support it. Questions stay on your device.

Small-savings interest rates remain unchanged for the quarter beginning October 1 and ending December 31, following the Finance Ministry’s September 30 decision. The Department of Economic Affairs lists the new-quarter notice, and PTI and independent business reports confirm continuation of the previous quarter’s rates.

The annual rates are 7.1% for the Public Provident Fund, 8.2% for both Sukanya Samriddhi and the Senior Citizens Savings Scheme, and 7.7% for National Savings Certificates. The Monthly Income Account rate remains 7.4%; the five-year post-office recurring deposit rate is 6.7%.

The reproduced September 30 memorandum specifies the October–December period and leaves it unchanged from July–September. This is a fresh quarterly decision, not an interest-rate increase or a promise that rates will stay unchanged indefinitely. The notification does not alter every product’s eligibility, maturity, withdrawal or tax rules, which remain separate from the rates reported here.