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Personal FinanceOfficial-source explainer

PPF, SSY, SCSS and Post Office MIS Rates for July-September 2026

Official Government sources show PPF at 7.1%, Sukanya Samriddhi at 8.2%, SCSS at 8.2% and Post Office Monthly Income Scheme at 7.4% for the current July-September 2026 quarter.

Published 20 August 2026 · Reviewed 20 August 2026

Quick answer

For July-September 2026, India Post lists PPF at 7.1% p.a., Sukanya Samriddhi at 8.2% p.a., SCSS at 8.2% p.a. and Post Office MIS at 7.4% p.a. These are scheme rates for the current quarter, not guaranteed future rates.

What did the official source confirm?

The Department of Economic Affairs published the Q2 FY 2026-27 small-savings rate notification on 30 June 2026. India Post’s current scheme page lists the applicable rates used in this explainer.

  • PPF: 7.1% per annum, compounded yearly.
  • Sukanya Samriddhi Account: 8.2% per annum, yearly compounded.
  • Senior Citizens Savings Scheme: 8.2% per annum.
  • Post Office Monthly Income Scheme: 7.4% per annum, payable monthly.
  • Small-savings rates are reviewed on a quarterly cycle, so later quarters must be rechecked.

What does it mean in plain language?

If you are using a calculator for PPF, SSY, SCSS or MIS, use the rate applicable to the period you are modelling and do not assume today’s rate will remain unchanged for the whole tenure.

Why it matters

These calculators are sensitive to the entered rate. Showing the current official quarter beside the tool helps prevent users from treating a long-term projection as a guaranteed maturity value.

Date / availability

These rates apply to the July-September 2026 quarter; recheck the next quarterly notification before using them for a later period.

Who may be affected?

People opening or modelling PPF, SSY, SCSS or Post Office MIS accounts during the July-September 2026 quarter.

Who may not be affected?

The exact interest treatment of an already-open account can depend on scheme rules and the period for which a rate is notified; this update is not a personalised maturity statement.

What should you verify?

Recheck the Department of Economic Affairs or India Post rate page for the quarter relevant to your deposit or projection.

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FAQs

Are these small-savings rates fixed for the full account tenure?

Do not assume so. Government small-savings rates are notified periodically; use the rate applicable to the relevant period and recheck later notifications.

What PPF rate should I enter for July-September 2026?

The current India Post scheme page lists PPF at 7.1% per annum for the period covered by this update.

Sources and methodology

RupeeKit cross-checked the Department of Economic Affairs Q2 notification listing with India Post’s current savings-scheme rate page on 20 August 2026.

Educational information only. RupeeKit does not provide personalised financial, investment, legal, loan or tax advice. Verify current rules and dates from the official sources before acting.