Small Savings Schemes interest rate from Jan 2026 to March 2026
SB Order No. 17/2025
F. No 113-03/2024
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)
Dak Bhawan, New Delhi — 110001
Dated: 31.12.2025
To
All Head of Circles/Regions
Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.01.2026
Madam / Sir,
The undersigned is directed to intimate that. vide memorandum No. 1/4/2019-NS dated 31.12.2025 (copy enclosed), Government of India, Ministry of Finance, Department of Economic Affairs (Budget Division) has informed that the rates of interest on various Small Savings Schemes (National Savings Schemes) for the fourth quarter of financial year 2025-26 (starting from 1st January, 2026 and ending on 31st March, 2026) shall remain unchanged from those notified for the third quarter (1st October, 2025 to 31st December, 2025) of FY 2025-26.
2. It is requested to circulate it to all concerned for information and necessary guidance. This may also be placed on the notice board of all Post Offices in public area.
3. This issues with the approval of the Competent Authority.
(Devender Kumar Sharma)
Assistant Director (SB-II)
Copy to: –
- Sr. PPS to Secretary (Posts)
- Sr. PPS/PPS to Director General Postal Services
- PPS/ PS to Member (Financial Services)/Member (O)/Member (P)/ Member (HRD)/ Member (Tech)/ Member (Service Quality and Marketing), Member (Infrastructure), AS & FA
- Addl. Director General, APS, New Delhi
- Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate.
- CGM. CEPT for kind information and necessary action
- Sr. Deputy Director General (Vig) & CVO) /Sr. Deputy Director General (PAF)
- Director, RAKNPA / Directors of all PT’Cs
- Director General P & T (Audit), Civil Lines, New Delhi
- Secretary, Postal Services Board / All Deputy Directors General
- All General Managers (Finance) / Directors Postal Accounts / DDAP
- The Joint Director & HOD. National Savings Institute, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
- The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.
- All recognized Federations / Unions / Associations
- Guard File/e-File
(Devender Sharma)
Assistant Director (SB-II)
| Instrument | Rates of interest |
|---|---|
| Savings Deposit | 4 |
| 1 Year Time Deposit | 6.9 |
| 2 Year Time Deposit | 7 |
| 3 Year Time Deposit | 7.1 |
| 4 Year Time Deposit | 7.5 |
| 5 Year Recurring Deposit | 6.7 |
| Senior Citizen Savings Scheme | 8.2 |
| Monthly Income Account Scheme | 7.4 |
| National Savings Certificate | 7.7 |
| Public Provident Fund Scheme | 7.1 |
| Kisan Vikas Patra | 7.5 (will mature in 115 months) |
| Sukanya Samriddhi Account Scheme | 8.2 |
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