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Post Office Savings Account interest rate: Oct-Dec 2026
The Savings Account rate for 1 Oct to 31 Dec 2026 is 4.0% a year, the same as in Jul-Sep 2026 (4.0%). Set by the Ministry of Finance.
What it is for
Money you may need any time. Interest is added as set in the scheme rules. Eligibility, minimum and maximum deposits, and early-closure rules are in the scheme’s rules; ask the post office or authorised bank for the current form.
Rate history, quarter by quarter
| Quarter | Savings Account |
|---|---|
| Oct-Dec 2026 | 4.0% |
| Jul-Sep 2026 | 4.0% |
| Apr-Jun 2026 | 4.0% |
| Jan-Mar 2026 | 4.0% |
| Oct-Dec 2025 | 4.0% |
| Jul-Sep 2025 | 4.0% |
| Apr-Jun 2025 | 4.0% |
| Jan-Mar 2025 | 4.0% |
| Oct-Dec 2024 | 4.0% |
| Jul-Sep 2024 | 4.0% |
| Apr-Jun 2024 | 4.0% |
| Jan-Mar 2024 | 4.0% |
| Oct-Dec 2023 | 4.0% |
| Jul-Sep 2023 | 4.0% |
| Apr-Jun 2023 | 4.0% |
| Jan-Mar 2023 | 4.0% |
| Oct-Dec 2022 | 4.0% |
| Jul-Sep 2022 | 4.0% |
| Apr-Jun 2022 | 4.0% |
Source: National Savings Institute, Ministry of Finance. Older quarters back to 1990 are on its rate page.
Source: Ministry of Finance (Department of Economic Affairs) office memorandum F.No.1/4/2019-NS dated 30.09.2026, read from the National Savings Institute rate table on 10 Nov 2026 and cross-checked against the copy of the same memorandum published by Indian Bank. Rates are set every quarter; the next review is due around 31 Dec 2026 for Jan-Mar 2027.
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See all government savings scheme rates, or compare with bank FDs and bonds after tax in the compare tool.
Education only, not investment advice. MyFinanceBandhu does not sell any product on this page and earns nothing from it. Every rate names its official source and date; check with the bank, post office or platform before you invest.