Post office interest rates 2026 ke Oct-Dec quarter ke naye rates aa gaye hain — aur is baar ki sabse badi khabar yeh hai ki kuch bhi nahi badla. PPF ab bhi 7.1%, Sukanya Samriddhi (SSY) ab bhi 8.2%, NSC 7.7% par tika hua hai. January 2024 se rates lagataar same chal rahe hain — yeh 9th-10th quarter hai jab sarkar ne small savings rates me koi badlav nahi kiya.
Agar aapne abhi-abhi PPF kholne ya beti ke naam SSY shuru karne ka socha hai, to yeh guide aapke liye hai: post office interest rates 2026 ke 9 schemes ke latest rates ek table me, kaunsi scheme kiske liye sahi hai, aur khud calculate kiye hue real-number examples — taaki faisla andaze par nahi, hisaab par ho.
Oct-Dec 2026: 9 Schemes Ke Latest Rates (Ek Table Me)
Post office interest rates 2026 (Oct-Dec quarter) 1 October se 31 December 2026 tak lagu hain (FinMin DEA OM, 30 Sep 2026):
| Scheme | Byaj dar (saal) | Khaas baat |
|---|---|---|
| PPF | 7.1% | 15 saal, tax-free |
| Sukanya Samriddhi (SSY) | 8.2% | Beti ke liye, sabse zyada |
| Senior Citizen Savings (SCSS) | 8.2% | 60+ ke liye, har 3 mahine payout |
| NSC (5 saal) | 7.7% | 5 saal lock-in |
| KVP | 7.5% | 115 mahine me paise double |
| Monthly Income Scheme (MIS) | 7.4% | Har mahine byaaj |
| Time Deposit 1/2/3/5 saal | 6.9% / 7.0% / 7.1% / 7.5% | 5-saal wale par 80C |
| RD (5 saal) | 6.7% | Mahine-mahine jama |
| Savings khata | 4.0% | — |
Kaunsi Scheme Kiske Liye Sahi Hai
Lambe samay ka tax-free paisa chahiye — PPF: 15 saal ki scheme, saal me ₹500 se ₹1.5 lakh tak jama. Byaj aur maturity dono tax-free (EEE), aur 80C me deduction alag se. Retirement ya 15-saal wale lakshya ke liye sabse seedha option. 80C ki poori jaankari yahan: https://jagatindia.com/80c-kya-hai/
Beti 10 saal se chhoti hai — SSY: 8.2% ke saath small savings me sabse zyada byaj. 15 saal tak jama, 21 saal me maturity. ₹1.5 lakh saal tak, 80C benefit, maturity tax-free. Beti ki padhai/shaadi ke liye isse behtar sarkari option nahi.
Retired hain, regular income chahiye — SCSS ya MIS: SCSS (60+ umar) me 8.2% par har 3 mahine byaj milta hai; MIS me 7.4% par har mahine. ₹9 lakh (single) ya ₹15 lakh (joint) tak MIS me laga sakte hain.
5 saal ka pakka return — NSC ya 5-saal TD: NSC 7.7% par 5 saal lock hota hai aur 80C milta hai (byaj reinvest hone par bhi 80C). 5-saal ka time deposit 7.5% deta hai aur us par bhi 80C milta hai.
Paise double karne hain — KVP: 7.5% par 115 mahine (9 saal 7 mahine) me rakam double. Lekin yaad rakhein: KVP par koi tax benefit nahi milta.
Real-Number Examples: Khud Calculate Kiya Hua Hisaab
PPF me ₹1.5 lakh saal, 15 saal tak: 7.1% par maturity par lagbhag ₹40.7 lakh milte hain — isme aapki jama rakam ₹22.5 lakh aur byaj lagbhag ₹18.2 lakh. Aur yeh poora tax-free. (Anumaanit ganana; asal rakam jama ke timing par thodi badal sakti hai.)
SSY me ₹1.5 lakh saal, 15 saal tak: 8.2% par 21 saal ki maturity par lagbhag ₹71.8 lakh ban jaate hain — ₹22.5 lakh jama par. Beti ke janm ke turant baad shuru karne ka yahi fayda hai: samay sabse bada byaj hai.
MIS me ₹9 lakh (single limit): 7.4% par har mahine lagbhag ₹5,550 byaj aata hai — retired mata-pita ke kharche ke liye steady income.
SCSS me ₹30 lakh (max limit): 8.2% par har 3 mahine lagbhag ₹61,500 milta hai. Dhyaan rahe: SCSS ka byaj taxable hai.
RD ke baare me aur padhein: https://jagatindia.com/recurring-deposit-kya-hai/
PPF vs 5-Saal Bank/Post Office FD: Tax Ka Khel
Yahi woh jagah hai jahan kai log phas jaate hain. Dekhne me 5-saal ka post office TD 7.5% deta hai aur PPF 7.1% — to TD behtar laga? Rukiye, tax ka hisaab lagayein:
- 30% slab wale ke liye 7.5% taxable byaj ka asal return = 7.5 × 0.70 = 5.25%
- PPF ka 7.1% poora tax-free = 7.1%
Matlab zyada tax slab me hain to PPF ka “kam” 7.1%, FD ke “zyada” 7.5% se aage nikal jaata hai. Bank ya post office me FD karwane se pehle apna tax slab zaroor dekhein — yeh baat bank aapko khud nahi batata.
Aam Galtiyan: Inse Bachein
- “Rates har quarter badalte hain” samajhna — January 2024 se ek bhi badlav nahi hua. Phir bhi nivesh se pehle FinMin ka latest OM check karne ki aadat dalein.
- KVP ko tax-saving samajhna — KVP par 80C nahi milta. Sirf NSC, PPF, SSY, SCSS, 5-saal TD par 80C hai.
- MIS ki limit bhoolna — single account me ₹9 lakh, joint me ₹15 lakh se zyada nahi laga sakte.
- SCSS ka byaj tax-free samajhna — SCSS ka byaj taxable hai; PPF/SSY ka nahi. Farq samajh kar hi chunein.
FAQs
Kya Oct-Dec 2026 me PPF ka byaj badha hai?
Nahi. PPF 7.1% par hi hai — January 2024 se small savings ki kisi bhi scheme ka rate nahi badla hai (FinMin OM, 30 Sep 2026).
SSY aur PPF me se beti ke liye kaun behtar hai?
Beti 10 saal se kam hai to SSY — 8.2% byaj PPF se zyada hai aur maturity bhi tax-free. Dono me ₹1.5 lakh saal ki limit hai.
Kya post office ki 5-saal TD par 80C milta hai?
Haan, sirf 5-saal wali time deposit par 80C deduction milta hai. 1, 2 ya 3 saal wali TD par nahi.
KVP me paise kitne samay me double hote hain?
7.5% byaj par 115 mahine (9 saal 7 mahine) me. 72 ka niyam lagayein: 72 ÷ 7.5 = 9.6 saal — hisaab mil gaya.
Senior citizen ke liye sabse zyada byaj kisme hai?
Small savings me SCSS 8.2% deta hai (SSY sirf beti ke liye hai). Senior citizens ke liye SCSS 8.2% sabse zyada hai.
Post office interest rates 2026 ke baare me yeh poori jaankari aapke faisle me madad karegi. Yeh sirf jaankari hai, financial advice nahi hai. Nivesh se pehle apni zaroorat aur tax slab samajh lein, aur official rates FinMin/India Post se verify karein.
Sources: FinMin DEA Office Memorandum 30 Sep 2026 (https://www.dea.gov.in); National Savings Institute (https://www.nsiindia.gov.in); India Post (https://www.indiapost.gov.in).