Post Office Savings Schemes Savings Account interest rates · November 2026
What would I earn at POSS?
Enter a whole-rupee balance from ₹1 to ₹10 crore.
How this estimate works
Estimates use a steady balance and simple annual interest. Where the published bands give different results, we show two estimates: applying rates to each portion of the balance, and applying the selected rate to the entire balance. Confirm the method with the bank. The comparison table below uses its existing whole-balance estimate with quarterly compounding, so its figures can differ.
For insured banks, DICGC coverage for eligible deposits includes principal and accrued interest, up to ₹5 lakh across deposits held at the same bank in the same right and capacity. Deposit insurance details ↗
What if I put some in a 1-year FD?
Estimates are before tax. Check early withdrawal terms before choosing an FD.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
Any tenure |
4.00% | – | All balances | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
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How much should I keep accessible?
Use your usual balance to compare savings interest, or test keeping some money accessible and putting the rest in an FD.
See balance examples
POSS savings account return examples
| Balance | Rate | Interest | Per month |
|---|---|---|---|
| ₹10,000 | 4.00% | ₹406a year | ₹34a month |
| ₹50,000 | 4.00% | ₹2,030a year | ₹169a month |
| ₹1 lakh | 4.00% | ₹4,060a year | ₹338a month |
| ₹5 lakh | 4.00% | ₹20,302a year | ₹1,692a month |
| ₹10 lakh | 4.00% | ₹40,604a year | ₹3,384a month |
| ₹25 lakh | 4.00% | ₹1,01,510a year | ₹8,459a month |
Open a figure in the savings calculator. Darker shade = higher rate. These examples use the published rate on the whole balance and quarterly compounding. Some banks apply each rate only to the portion of the balance in its band. Rates as of 14 Nov 2026.
Before you book
POSS Savings: frequently asked questions
What is the highest POSS Savings interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers up to 4.00% p.a. on its savings account (All balances) for general customers. Rates below are as published by the bank. Confirm with POSS before investing.
When did POSS last change its Savings rates?
RateScan.in has recorded no change to Post Office Savings Schemes's savings account rates since it started tracking them on 25 Sept 2026.
Is my savings account with POSS insured?
Deposits with Post Office Savings Schemes are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these POSS rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Oct 2026. Rates can change without notice, so verify on the official POSS website before investing.
More POSS rates
Savings rates at other banks
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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