POSB Interest Rates & Maturity Values w.e.f. 01.07.2026 to 30.09.2026
The Government of India has announced that the interest rates on all Post Office Small Savings Schemes will remain unchanged for the quarter 01 July 2026 to 30 September 2026. These rates are applicable to all investments made during this period under various Postal Savings Schemes including Savings Account, RD, Time Deposit, MIS, SCSS, NSC, PPF, Sukanya Samriddhi Account, and Kisan Vikas Patra.
Post Office savings schemes continue to be one of the safest investment options in India as they are backed by the Government of India and provide guaranteed returns.
POSB Interest Rates (01.07.2026 to 30.09.2026)
| Savings Scheme | Interest Rate (Per Annum) |
|---|---|
| Post Office Savings Account | 4.00% |
| 5-Year Recurring Deposit (RD) | 6.70% |
| 1-Year Time Deposit | 6.90% |
| 2-Year Time Deposit | 7.00% |
| 3-Year Time Deposit | 7.10% |
| 5-Year Time Deposit | 7.50% |
| Monthly Income Scheme (MIS) | 7.40% |
| Senior Citizen Savings Scheme (SCSS) | 8.20% |
| Public Provident Fund (PPF) | 7.10% |
| National Savings Certificate (NSC) | 7.70% |
| Sukanya Samriddhi Account (SSA) | 8.20% |
| Kisan Vikas Patra (KVP) | 7.50% (Matures in 115 Months) |
Source: Ministry of Finance Notification for Q2 FY 2026–27.
POSB Maturity Values
The maturity value varies depending on the amount invested and the scheme selected. Below are some commonly referred maturity values.
| Scheme | Investment | Maturity Value |
|---|---|---|
| National Savings Certificate (NSC) | ₹1,000 | ₹1,449.03 |
| Kisan Vikas Patra (KVP) | ₹1,000 | ₹2,000 after 115 months |
For Recurring Deposit, Time Deposit, MIS, SCSS, PPF and Sukanya Samriddhi Account, the maturity amount depends upon the investment amount, tenure and applicable interest calculation rules.
Key Highlights
- Interest rates remain unchanged from the previous quarter.
- Effective from 01 July 2026 to 30 September 2026.
- Government-backed investment schemes.
- Guaranteed returns with sovereign security.
- Suitable for short-term as well as long-term financial planning.
Why Choose Post Office Savings Schemes?
Post Office Small Savings Schemes are preferred by millions of investors because they offer:
- Government guarantee on deposits.
- Fixed and assured returns.
- Low investment risk.
- Tax benefits under eligible schemes.
- Flexible investment options for every age group.
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