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

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.

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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