Latest Post Office Small Savings Schemes Interest rates Oct — Dec 2026 | third quarter of financial year 2026-27

The National Savings Schemes (NSSs) are among the most popular saving options in India, administered by the Ministry of Finance.

Known for their safety and attractive returns, these schemes have long been a preferred choice for conservative investors. They also play a crucial role in promoting financial inclusion, particularly in remote or rural areas, as they are primarily operated through the extensive network of Post Offices across the country. Indian households’ investments in Post Office Time Deposits and the Public Provident Fund (PPF) have shown consistent growth since 2011. The table below provides an overview of the total outstanding balances across various small savings schemes.

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Post office Small Savings Schemes Data Some of the very popular schemes which fall under Small Savings Schemes are as below; PPF (Public Provident Fund) Sukanya Samriddhi Scheme Monthly Income Scheme (Monthly Income Account) Senior Citizen Savings Scheme KVP (Kisan Vikas Patra) NSC (National Savings Certificate) Time Deposits & Recurring Deposits Latest Post Office Small Saving Schemes Interest rates Oct, Dec 2026 The Government of India announced the interest rates for small savings schemes for the October to December 2026 quarter today, Sep 30, 2026. The Ministry of Finance has decided to keep the interest rates unchanged for all saving schemes, despite expectations of a potential cut due to recent RBI repo rate reductions throughout 2025. This marks the 10th consecutive quarter where rates for key schemes like PPF have remained steady.