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In India, banks may fail, but the Post Office never fails. For millions of Indians, especially in rural areas, the Post Office is not just a building; it is a symbol of trust.
If you are looking for Post Office Interest Rates 2026, you are in the right place. Unlike private banks, these schemes come with a Sovereign Guarantee from the Government of India.
Whether you want to save for your daughter's marriage (SSY) or need a monthly income in your old age (SCSS), check out the latest 2026 table below.
Post Office Interest Rates Table (2026)
Here is the updated list of interest rates for all small savings schemes. Note that Senior Citizens Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) are currently offering the highest returns.
| Scheme Name | Interest Rate (2026) | Maturity Period |
|---|---|---|
| Savings Account | 4.00% | Anytime |
| 1 Year Time Deposit (TD) | 6.90% | 1 Year |
| 5 Year Time Deposit | 7.50% | 5 Years |
| Monthly Income Scheme (MIS) | 7.40% | 5 Years |
| Kisan Vikas Patra (KVP) | 7.50% | 115 Months (Doubles Money) |
| Public Provident Fund (PPF) | 7.10% | 15 Years |
| Senior Citizen (SCSS) | 8.20% | 5 Years |
| Sukanya Samriddhi (SSY) | 8.20% | 21 Years |
*Note: Interest rates are reviewed by the Ministry of Finance every quarter.
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Senior Citizen Savings Scheme (SCSS)
If you are above 60, this is the gold standard for you. With an interest rate of 8.2%, it beats most bank FDs.
- Regular Income: Interest is paid quarterly (April, July, Oct, Jan).
- Tax Benefit: Investment qualifies for Section 80C deduction.
- Safety: 100% Risk-free.
Worried about taxes on your interest income? Use our Free Income Tax Calculator to plan your finances better.
Sukanya Samriddhi Yojana (SSY)
For parents of a girl child (below 10 years), SSY is the best gift. It currently offers the highest interest rate of 8.2% among all small savings schemes.
If you invest in SSY today, the compounding effect over 21 years creates a massive corpus for her education or marriage.
Return Comparison (₹1 Lakh Investment)
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Frequently Asked Questions
Which Post Office scheme has the highest interest rate in 2026?
Currently, the Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) offer the highest rate of 8.2% per annum.
Is my money safe in the Post Office?
Yes, absolutely. Post Office schemes carry a Sovereign Guarantee from the Government of India, making them the safest investment option available.
Can I open a Post Office account online?
Yes, through the IPPB (India Post Payments Bank) app, you can open digital savings accounts and manage schemes like PPF and RD online.