Post Office Savings Schemes interest rates · November 2026
POSS FD rates
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Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.
Overview
Post Office Savings Schemes (POSS) is a Government of India small savings scheme, run through the post office network, headquartered in New Delhi, established in 1882.
Rates as of 1 Oct 2026, verified from official source. Government of India small savings scheme: not a bank deposit; backed by a sovereign guarantee (Consolidated Fund of India), not DICGC insurance.
RBI record
No RBI press release since 1 Jan 2024 names Post Office Savings Schemes. We read RBI's press releases every week; last checked on 11 Nov 2026.
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
POSS rates
Every rate, tenure by tenure, and what your money grows to.
POSS Fixed Deposit rate changes
Changes to POSS's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 25 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to POSS's fixed deposit (FD) rates has been recorded since tracking started on 25 Sept 2026.
Small Savings Schemes
Government-backed small savings: sovereign guarantee, not DICGC-insured
| Scheme | Rate | Limit / eligibility |
|---|---|---|
| Monthly Income Scheme (MIS) 5 Years |
7.40% | Up to ₹9 lakh |
| National Savings Certificate (NSC) 5 Years |
7.70% | Any amount |
| Kisan Vikas Patra (KVP) 9 Yrs 7 Mo |
7.50% | Any amount |
| Public Provident Fund (PPF) 15 Years |
7.10% | Up to ₹1.5 lakh/yr |
| Sukanya Samriddhi Yojana (SSY) 21 Years |
8.20% | Up to ₹1.5 lakh/yr |
- Monthly interest payout only; no cumulative/reinvestment option. Maximum ₹9 lakh (single account) or ₹15 lakh (joint account). 5-year tenure.
- 5-year lock-in; interest is deemed reinvested and qualifies for Section 80C each year (except final year payout). Premature encashment only on holder's death or court order.
- Cumulative growth only (no periodic interest payout); investment doubles at maturity. Premature encashment allowed after 2.5 years.
- 15-year lock-in; partial withdrawals allowed from the 7th year. Not available to NRIs for new account opening.
- Only for a girl child (max one account per girl child, up to two girls per family). Account matures 21 years from opening or upon marriage after age 18.
Good to know
Post Office Savings Schemes is a Government of India small savings scheme (not a bank deposit), backed by a sovereign guarantee via the Consolidated Fund of India, not DICGC insurance. Unlike bank FDs, Time Deposit and RD rates are the same for all ages. No senior citizen premium. The Senior Citizen Savings Scheme (SCSS) at 8.20% (5-year) is shown in the FD table for seniors; it has a ₹30 lakh investment cap, pays interest quarterly, and is available to those 60+ years of age (or 55+ on retirement). For comparison, top banks offer Bilagi Pattan Sahakari Bank 9.75%, Maharana Pratap Co-op Urban Bank 9.25%, Chatrapati Shivaji Maharaj Sahakari Bank 9.00% on 5-year FDs (DICGC-insured up to ₹5 lakh, vs. sovereign guarantee here). See the full Post Office schemes guide .
Informational only. Always confirm the current rate on the official POSS website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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