Post Office Savings Schemes Offer Up To 8.2% Interest In Q1 FY 26-27

By Kotak News Desk
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08 May 2026 at 12:10 PM IST
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Market News
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Summary

Post office small savings schemes continue to offer returns between 4% and 8.2% in Q1 FY 26-27. Read on to know more about these schemes.

Post office small savings schemes continue to offer interest rates between 4% and 8.2% in Q1 FY 26-27. The schemes are popular since they carry lower risk compared to market-linked investments.

Sukanya Samriddhi Yojana: A Popular Scheme For Girl Child

Sukanya Samriddhi Yojana (SSY) continues to attract parents looking to build a long-term savings corpus for girls. One can open the account before the girl turns 10. The scheme offers tax benefits under Section 80C and also provides tax-free maturity proceeds, making it one of the highest-yielding small savings products. The current interest rate offered is 8.2%.

Senior Citizen Savings Scheme Draws Retirees

The Senior Citizen Savings Scheme (SCSS) has remained a preferred option for retired individuals because of its quarterly payout feature and higher interest payout. Investors can deposit up to ₹30 lakh under the scheme. The current interest rate offered on SCSS is 8.2%.

NSC And KVP Likely To See Steady Demand

The National Savings Certificate, or NSC, offers 7.7% interest, which gets compounded yearly.

Kisan Vikas Patra (KVP) currently offers 7.5% interest. The maturity is set at 115 months.

Monthly Income Scheme And PPF Remain Key Fixed-Income Options

The Post Office Monthly Income Scheme currently provides a 7.4% interest rate. The scheme is commonly used by households seeking a regular income. Public Provident Fund (PPF) offers 7.1% interest. It has a 15-year tenure. One can extend it up to 5 more years.

Also Read - V-Mart Retail Q4FY26: Revenue Jumps 24%, Net Profit Falls 39%, Shares Rise

Recurring Deposit And Savings Account Offer Stable Returns

The five-year recurring deposit scheme currently offers 6.7% interest. Meanwhile, the Post Office Savings Bank account continues to offer a 4% interest rate. It is widely used in rural and semi-urban regions.

Sources:

Moneycontrol

The Economic Times

India Today

This article is for informational purposes only and does not constitute financial advice. It is not produced by the desk of the Kotak Securities Research Team, nor is it a report published by the Kotak Securities Research Team. The information presented is compiled from several secondary sources available on the internet and may change over time. Investors should conduct their own research and consult with financial professionals before making any investment decisions. Read the full disclaimer here.

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