The Ministry of Finance notice dated 30 September 2026 left post office rates unchanged for October to December 2026.
| Scheme | Rate per year |
|---|---|
| 1-year time deposit | 6.9% |
| 2-year time deposit | 7.0% |
| 3-year time deposit | 7.1% |
| 5-year time deposit | 7.5% |
| Public Provident Fund | 7.1% |
| Senior Citizens Savings Scheme | 8.2% |
One detail worth knowing is whether a later change reaches you. A time deposit locks its rate on the day you open it. The PPF and the Sukanya Samriddhi account float, so a revision applies to your whole balance.
Rates are reviewed every quarter, so check the date before you rely on any figure. The full table, with the source, is on the post office interest rates page, which is updated in place each quarter. We make a money-tracking app and do not sell any of these schemes.