Central govt. has revised Post Office Savings Schemes Interest Rates for 1 July 2021 to 30 September 2021 (2nd quarter of FY 2021-22). Post Office Savings Schemes Interest Rate Table has now been released. The new interest rates on post office schemes has been kept unchanged for this quarter. Check the new interest rates for Time Deposit (TD), Public Provident Fund (PPF), Sukanya Samriddhi account, Senior Citizen Savings Schemes (SCSS), Recurring Deposit (RD), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), Monthly Income Scheme (MIS), PO Savings Deposit Account Schemes.
Interest rates of all popular savings scheme run by the Post Office are revised on a quarterly basis. People can check the Post Office Savings Schemes Interest Rate Table 2021 which shows the current rate of interest for various post office schemes applicable for 1 July 2021 to 30 September 2021 duration.
In the recent notification by Finance Ministry on 31 March 2021, interest rate on all Post Office Savings Schemes have been kept unchanged. The government recently changed a few rules for PPF accounts for the benefit of account holders. Accordingly, people can now check the new interest rates for all post office savings schemes.
Post Office Savings Schemes Interest Rate Table (1 July to 30 Sept 2021)
Here is the complete table showing the current rate of interest for post office savings scheme applicable from 1 July 2021 to 30 September 2021:-
| Post Office Savings Scheme Name | Interest Rate for 1 July 2021 to 30 September 2021 | Compounding Frequency | Description about Post Office Scheme |
|---|---|---|---|
| Savings Deposit Scheme Account | 4% | Annually | Post Office Savings Bank Account (PO-SB) Scheme Details |
| 1 Year Time Deposit | 5.5% | Quarterly | PO Fixed / Time Deposit (TD) Scheme Account Details |
| 2 Year Time Deposit | 5.5% | Quarterly | |
| 3 Year Time Deposit | 5.5% | Quarterly | |
| 5 Year Time Deposit | 6.7% | Quarterly | |
| Recurring Deposit (5 years) | 5.8% | Quarterly | PO Recurring Deposit Account (RD) Details |
| Senior Citizen Savings Scheme (5 years) | 7.4% | Quarterly & Paid | Senior Citizens Savings Scheme Account Details |
| Monthly Income Scheme Account (5 years) | 6.6% | Monthly & Paid | Monthly Income Scheme (MIS) Account Details |
| National Savings Certificate (5 years) | 6.8% | Yearly | National Savings Certificate Scheme Details |
| Public Provident Fund Scheme | 7.1% | Yearly | PPF Post Office Account Details |
| Kisan Vikas Patra | 6.9% (maturity in 10 years 4 months) | Yearly | KVP Scheme Account Details |
| Sukanya Samriddhi Account Scheme | 7.6% | Yearly | SSA Account Details |
To get more details on Post Office Savings Schemes, visit the official website indiapost.gov.in. Despite the low interest rates of Post Office Saving Schemes, these instruments are still attractive for investors who want to invest in safe products.
Unchanged PO Savings Scheme Interest Rate
In this Post Office Interest Rates Table July 2021 to Sept 2021, it is quite clear that the rate of interest for all post office saving schemes have been kept unchanged. Interest Rates on PPF is 7.1%, KVP at 6.9% (maturity in 10 years 4 months), Sukanya Samriddhi Account at 7.6%, NSC at 6.8%, MIS at 6.6%, SCSS at 7.4%, RD at 5.8% and Savings deposit still remains at 4%. The decision for unchanged interest rates on post office savings scheme is taken as the Coronavirus (COVID-19) unlock phase starts in various states.
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