PPF & SCSS Rates July 2026: What You Earn Now
The government announces Small Savings Scheme rates every quarter. For July–September 2026, rates on PPF, SCSS, SSY, NSC and others could stay the same or change — affecting lakhs of Indian savers right now.
PPF at 7.1% beats most savings accounts — yet crores leave money in 3.5% accounts
Your PPF returns may stay locked at this rate — or change today
Key Takeaways
Check the official India Post or Finance Ministry notification today to confirm revised rates before making any fresh deposit or renewal decision.
If you hold SCSS and rates rise, consider topping up to the ₹30 lakh maximum limit to lock in the higher return before the quarter ends.
Compare your PPF and NSC returns against current FD rates from top banks — if the gap narrows, rebalance your debt allocation accordingly.
The government announces Small Savings Scheme rates every quarter. For July–September 2026, rates on PPF, SCSS, SSY, NSC and others could stay the same or change — affecting lakhs of Indian savers right now.
Here's what happened: The Finance Ministry reviews and announces Small Savings Scheme interest rates every quarter — Q2 FY27 covers July to September 2026.. Key schemes under review include PPF (currently 7.1%), Senior Citizens Savings Scheme (8.2%), Sukanya Samriddhi Yojana (8.2%), and NSC (7.7%).. Rates have stayed largely unchanged for several quarters, but any RBI repo rate movements or fiscal decisions can trigger a revision upward or downward..
What you should do: Check the official India Post or Finance Ministry notification today to confirm revised rates before making any fresh deposit or renewal decision.. If you hold SCSS and rates rise, consider topping up to the ₹30 lakh maximum limit to lock in the higher return before the quarter ends.. Compare your PPF and NSC returns against current FD rates from top banks — if the gap narrows, rebalance your debt allocation accordingly..
PPF interest is calculated on the lowest balance between the 1st and 5th of each month — always deposit before the 5th to earn full monthly interest on your contribution.
Compare Savings Rates Now
Open GoCredit App →References
- [1]“Small Savings Scheme interest rates for July-Sept 2026 to be announced today; investors eye PPF, SCSS and SSY updates” mint - money · 30 Jun 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.