{
  "id": 12195684,
  "title": "PPF at 7.1%, SCSS at 8.2%, NSC at 7.7%: Check Oct-Dec post office scheme rates",
  "url": "https://urgent.news/2026/10/05/ppf-at-7-1-scss-at-8-2-nsc-at-7-7-check-oct-dec-post-office-scheme",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-05T16:38:17.000Z",
  "source": {
    "name": "Times of India",
    "slug": "times-of-india",
    "url": "https://timesofindia.indiatimes.com/business/india-business/ppf-at-7-1-scss-8-2-nsc-7-7-check-small-savings-interest-rates-for-october-december-2026-and-what-investors-will-earn-on-post-office-schemes-like-ssy-time-deposits/articleshow/134704207.cms"
  },
  "original_language": "en",
  "account": "In the third quarter of the 2026-27 financial year, the interest rates on various small savings schemes offered by the Indian government remain unchanged. This includes the Post Office Savings Account, 1-year and 2-year Time Deposits, 3-year Time Deposit, 5-year Time Deposit, 5-year Recurring Deposit Scheme, Senior Citizens Savings Scheme, Monthly Income Account, National Savings Certificate and Public Provident Fund Scheme.\n\nThe interest rates for the Post Office Savings Account stand at 4.00% p.a. The 1-year Time Deposit offers 6.9%, while the 2-year Time Deposit provides 7.0% interest. The 3-year Time Deposit scheme currently offers 7.1% interest, with annual interest of Rs 729 on a deposit of Rs 10,000. Interest is compounded quarterly for all these schemes.\n\nThe 5-year Time Deposit yields 7.5%, and the 5-year Recurring Deposit Scheme offers a rate of 6.70%, both compounded quarterly. The Senior Citizens Savings Scheme (SCSS) continues to provide investors with a lucrative 8.2% interest rate, with quarterly interest payments of Rs 205 on a Rs 10,000 deposit. This interest is paid out quarterly.\n\nDespite the rise in inflation and G-Sec bond yields, the government has decided to maintain these attractive rates on small savings schemes. This is done to ensure that investors continue to receive a competitive real return.",
  "summary": "Latest small savings schemes interest rates: The Ministry of Finance decides the interest rates for all small savings schemes every quarter. For the October to December 2026 quarter, the interest rates on all small savings schemes have been kept unchanged. The decision extends the period of unchanged small savings rates to nearly two years.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}