Post office schemes mein sabse achha return kahan mil raha hai? Sarkar ne October-December 2026 quarter ke liye small savings rates unchanged rakhe hain, isliye SCSS ab bhi 8.2%, NSC 7.7%, KVP 7.5% aur Monthly Income Scheme (MIS) 7.4% de rahi hai. Is guide mein hum chaaron ko rate, limit, payout aur tax par compare karenge, taaki aap apne goal ke hisaab se sahi scheme chun sakein.

Rates valid: 1 October se 31 December 2026 tak
Ye rates Ministry of Finance ke 30 September 2026 ke order se liye gaye hain. Inhe har quarter review kiya jata hai, isliye invest karne se pehle latest notification zaroor check karein.

Post Office Schemes Ke Interest Rates: October-December 2026

Scheme Rate (p.a.) Tenure Investment limit 80C (old regime)
Senior Citizen Savings Scheme (SCSS) 8.2% 5 saal ₹30 lakh Haan
National Savings Certificate (NSC) 7.7% 5 saal Koi upper limit nahi Haan
Kisan Vikas Patra (KVP) 7.5% 115 mahine Koi upper limit nahi Nahi
Monthly Income Scheme (MIS) 7.4% 5 saal ₹9 lakh single, ₹15 lakh joint Nahi
5-Year Time Deposit 7.5% 5 saal Koi upper limit nahi Haan
5-Year Recurring Deposit 6.7% 5 saal Monthly deposits Nahi
Public Provident Fund (PPF) 7.1% 15 saal ₹1.5 lakh per year Haan
Sukanya Samriddhi Yojana (SSY) 8.2% 21 saal ₹1.5 lakh per year Haan

Baaki Time Deposit rates 1 saal ke liye 6.9%, 2 saal ke liye 7.0% aur 3 saal ke liye 7.1% hain. Post Office Savings Account par 4% milta hai. Time Deposit ka interest quarterly calculate hota hai aur saal mein ek baar pay hota hai, isliye 5-year Time Deposit ki effective yield lagbhag 7.71% banti hai.

SCSS Interest Rate: Retirees Ke Liye Best Option

Senior Citizen Savings Scheme table mein sabse zyada 8.2% rate deti hai, aur interest har quarter milta hai. Isliye retirement ke baad ye ek steady income source ban jati hai.

  • Kaun invest kar sakta hai: 60 saal ya usse upar ke individuals. Superannuation ya VRS lene wale retired civilian employees (55 se 60 saal) aur retired defence personnel (50 saal ya usse upar) bhi scheme ki conditions ke under account khol sakte hain.
  • Limit: Aapke saare SCSS accounts milakar ₹30 lakh tak (Budget 2023 mein ₹15 lakh se badhai gayi thi).
  • Tenure: 5 saal, jise 3 saal ke liye extend kiya ja sakta hai.
  • Tax: Deposit par 80C deduction milta hai (old regime, ₹1.5 lakh tak), lekin interest taxable hai.

Example: ₹30 lakh ke deposit par 8.2% ke hisaab se saal ka interest ₹2,46,000 banta hai, yaani har quarter ₹61,500 ya average mein lagbhag ₹20,500 per month.

Senior citizens ke liye tax tips
SCSS interest par TDS tabhi lagta hai jab ek financial year mein aapka interest ₹1 lakh se upar jata hai. Agar aapki total income taxable limit se kam hai, to TDS se bachne ke liye Form 15H submit karein.

Old tax regime mein resident senior citizens SCSS, MIS aur Time Deposit jaise post office deposits ke interest par Section 80TTB ke under saal mein ₹50,000 tak ka deduction bhi claim kar sakte hain. Agar aap new tax regime chunte hain, to ye deduction nahi milta.

NSC Interest Rate: 5 Saal Ka Simple Growth

National Savings Certificate 7.7% interest deta hai jo har saal compound hota hai, aur poora paisa maturity par milta hai. Koi upper limit nahi hai, isliye jab baaki limits poori ho chuki hon to NSC kaam aata hai.

Example: ₹1,00,000 ko 5 saal ke liye 7.7% par invest karne par lagbhag ₹1,44,903 banta hai.

NSC ka ek tax feature aksar log miss kar dete hain. Interest har saal build hone par taxable hota hai, lekin pehle chaar saal ka interest certificate mein reinvest hua maana jata hai. Old regime mein is reinvested amount par ₹1.5 lakh ki overall limit ke andar fresh 80C deduction milta hai. Sirf paanchve saal ke interest par koi offsetting deduction nahi milta aur wo poora taxable hota hai.

Saal Opening balance Interest (7.7%) Closing balance Interest par 80C
1 ₹1,00,000 ₹7,700 ₹1,07,700 Eligible
2 ₹1,07,700 ₹8,293 ₹1,15,993 Eligible
3 ₹1,15,993 ₹8,931 ₹1,24,924 Eligible
4 ₹1,24,924 ₹9,619 ₹1,34,544 Eligible
5 ₹1,34,544 ₹10,360 ₹1,44,903 Eligible nahi, taxable

Post Office MIS: Monthly Income

Monthly Income Scheme 5 saal ki term ke liye 7.4% interest deti hai, jo har mahine payout ke roop mein milta hai. Ye un logon ke liye hai jinhe growth ki jagah regular payout chahiye.

  • Limit: Single account mein ₹9 lakh, joint account mein ₹15 lakh.
  • Tax: 80C benefit nahi milta. Interest taxable hai, lekin us par TDS nahi kata jata.

Example:

Account type Deposit Saal ka interest Monthly payout
Single ₹9,00,000 ₹66,600 ₹5,550
Joint ₹15,00,000 ₹1,11,000 ₹9,250

Kisan Vikas Patra: 115 Mahine Mein Paisa Double

KVP 7.5% rate deta hai aur 115 mahine mein mature hota hai, yaani 9 saal 7 mahine. Tab tak ₹1,00,000 ka ₹2,00,000 ho jata hai. Koi upper limit nahi hai, lekin KVP par 80C deduction nahi milta.

Minimum Deposit Aur Early Withdrawal Ke Rules

In schemes mein paisa lock ho jata hai, isliye invest karne se pehle exit rules zaroor dekh lein.

Scheme Minimum deposit Early withdrawal
SCSS ₹1,000 1 saal se pehle: koi interest nahi, aur pay hua interest recover kiya jata hai. 1 saal ke baad: 2 saal se pehle deposit ka 1.5% katta hai, uske baad 1%.
NSC ₹1,000 Normal premature withdrawal nahi hota. Sirf specific cases mein allowed hai, jaise holder ki death.
KVP ₹1,000 2 saal 6 mahine ke baad encash kiya ja sakta hai.
MIS ₹1,000 1 saal se pehle allowed nahi. 1 se 3 saal ke beech deposit ka 2% katta hai, 3 saal ke baad 1%.

PPF ka minimum ₹500 per year hai aur SSY ka ₹250 per year.

Tax Ke Baad Kaunsi Scheme Zyada Return Deti Hai?

Headline rates mein tax shamil nahi hota. Neeche ki table 30% tax slab (cess ke saath 31.2%) wale investor ka approximate return dikhati hai, surcharge aur 80C benefit ko ignore karke.

Scheme Headline rate Tax ke baad approx. return (30% slab)
SCSS 8.2% 5.64%
NSC 7.7% 5.30%
KVP 7.5% 5.16%
MIS 7.4% 5.09%
PPF (tax-free interest) 7.1% 7.10%

High tax bracket wale logon ke liye PPF ka tax-free interest taxable schemes ke zyada headline rates ko bhi peeche chhod sakta hai. Lower slab mein ye gap kam ho jata hai. Aapke liye kaunsa regime theek hai, ye samajhne ke liye hamari New vs Old Tax Regime Break-Even Guide (Hinglish) padhein.

Sahi Post Office Scheme Kaise Chunein?

  • Aap 60 ya usse upar hain aur regular income chahiye: SCSS, ₹30 lakh ki limit tak.
  • 5 saal mein lump sum chahiye: NSC, ya 5-year Time Deposit agar 80C deduction bhi chahiye.
  • Fixed monthly payout chahiye: MIS, ₹9 lakh ya ₹15 lakh ki limit ke andar.
  • Lagbhag 9 saal tak paisa nahi chahiye: KVP.
  • Tax-free interest chahiye: PPF, ya agar 10 saal se kam umar ki beti hai to Sukanya Samriddhi Yojana.

Post office schemes ko Government of India ka backing milta hai, jabki bank deposits DICGC ke tahat per depositor per bank ₹5 lakh tak insured hote hain. Post office rates sarkar har quarter tay karti hai, jabki bank FD rates market ke saath badalte rehte hain. Paanch saal ke liye paisa lock karne se pehle current bank offers se compare karein, iske liye hamari FD Maturity Calculator Guide (Hinglish) dekhein. Agar market-linked option se regular withdrawal chahiye, to SWP vs FD (Hinglish) padhein.

In locked schemes ke bahar ek emergency fund zaroor rakhein, kyunki inme se zyada tar mein early withdrawal restricted ya penalised hota hai.

Apne numbers khud check karne ke liye iCalcDesk calculators use karein.

Frequently Asked Questions (FAQ)

Oct-Dec 2026 ke liye post office schemes ke interest rates kya hain?

1 October se 31 December 2026 tak rates unchanged hain: SCSS 8.2%, NSC 7.7%, KVP 7.5% (115 mahine mein mature), MIS 7.4%, 5-year Time Deposit 7.5%, 5-year RD 6.7%, PPF 7.1% aur SSY 8.2%. Sarkar har quarter in rates ko review karti hai.

SCSS, NSC ya Post Office MIS mein kaunsa better hai?

SCSS sabse zyada rate (8.2%) deta hai, lekin sirf 60 saal ya usse upar ke investors ke liye hai. NSC 5 saal ke lock-in ke saath long-term growth ke liye theek hai, jabki MIS un logon ke liye hai jinhe monthly income chahiye. Teeno ka interest taxable hai, aur inme se sirf SCSS aur NSC par 80C deduction (old regime) milta hai.

SCSS aur Post Office MIS mein maximum kitna invest kar sakte hain?

SCSS mein ek person ke saare accounts milakar Rs. 30 lakh tak invest kar sakte hain. MIS mein single account mein Rs. 9 lakh aur joint account mein Rs. 15 lakh tak. NSC aur KVP mein koi upper limit nahi hai.

Kya NSC, SCSS aur MIS ka interest taxable hai?

Haan. In schemes ka interest aapki income mein judta hai aur slab rate par tax lagta hai. SCSS par TDS tabhi lagta hai jab ek financial year mein interest Rs. 1 lakh se upar jaye, aur eligible senior citizens income taxable limit se kam ho to Form 15H de sakte hain.

Invest karne ke baad kya interest rate badal sakta hai?

NSC, KVP, MIS aur SCSS mein jis din aap invest karte hain, wahi rate us deposit ki poori term ke liye generally lock rehta hai. PPF aur SSY alag hain: inke rates har quarter revise hote hain aur aapke existing balance par bhi lagu hote hain.

Related Guides & Calculators

Sources & Official References

Authority Resource / Circular Link
Ministry of Finance, Dept. of Economic Affairs Office Memorandum F.No.1/4/2019-NS dated 30.09.2026 (small savings rates, Q3 FY 2026-27) dea.gov.in
Department of Posts SB Order No. 12/2026 dated 30.09.2026 indiapost.gov.in
Income Tax Department TDS, 80C aur 80TTB provisions incometaxindia.gov.in

Disclaimer: Ye article sirf educational aur informational purpose ke liye hai aur financial, investment, tax ya legal advice nahi hai. Interest rates, limits aur tax rules badal sakte hain. Koi bhi decision lene se pehle India Post ya official government portals se current provisions verify karein.