CalcuTools · Government Savings
Government Savings Comparison 2026 | PPF, NSC, SCSS, KVP & POMIS
Current Q2 FY 2026-27 small-savings rates, terms, payout patterns and limits in one comparison.
| Scheme | Rate | Term | Interest / payout | Limit / structure |
|---|---|---|---|---|
| PPF | 7.1% | 15 years, extendable | Annual compounding | ₹500 min; ₹1.5L/year max |
| NSC | 7.7% | 5 years | Accrues/compounds; paid at maturity | No stated maximum |
| SCSS | 8.2% | 5 years + 3-year extension | Quarterly payout | ₹30L max |
| POMIS | 7.4% | 5 years | Monthly payout | ₹9L single / ₹15L joint |
| KVP | 7.5% | 115 months | Maturity value doubles | No stated maximum |
| SSY | 8.2% | Long-term, child-linked | Annual interest crediting | ₹250 min; ₹1.5L/year max |
| 5Y Time Deposit | 7.5% | 5 years | Annual interest payout | No stated maximum |
| 3Y Time Deposit | 7.1% | 3 years | Annual interest payout | No stated maximum |
| 2Y Time Deposit | 7.0% | 2 years | Annual interest payout | No stated maximum |
| 1Y Time Deposit | 6.9% | 1 year | Annual interest payout | No stated maximum |
| 5Y RD | 6.7% | 5 years | Recurring deposit | Monthly instalments |
Current quarter: 1 July–30 September 2026. DEA's 30 June 2026 notification kept the small-savings rates unchanged.
Official source: Department of Economic Affairs small-savings notification. For scheme-specific rules, verify the current India Post scheme documentation.