Post Office Scheme

Post Office Interest Rate Chart – June 2022

InstrumentInterest RateCompound
Frequency
PO Saving A/C4.00%Annually
1 Yr Time Deposit5.5% (Annual Interest R. 561 on Rs. 10000 deposit)Quarterly
2 Yr Time Deposit5.5% (Annual Interest R. 561 on Rs. 10000 deposit)Quarterly
3 Yr Time Deposit5.5% (Annual Interest R. 561 on Rs. 10000 deposit)Quarterly
5 Yr Time Deposit6.7% (Annual Interest R. 687 on Rs. 10000 deposit)Quarterly
5 Yr RD Scheme5.8 Maturity value for Rs. 1000 Dn. 5 Year = 69696.70)Quarterly
SCSS7.4(Quarterly interest Rs. 1850 on Rs. 1,00,000 deposit)Quarterly
MIS6.6(Monthly int. Rs. 550 on Rs. 1,00,000 deposit)Quarterly
NSC – (VIII Issue)6.8(Maturity Value Rs. 1389 for Rs.1000 deposit)Annually
PPF7.10%Annually
KVP6.90% (maturity 124 Month)Annually
Suknaya Samrudhi7.60%Annually

RD Interest Rate 2022

5.80%

  • Interest Rate – 5.80% (from Apr. 1, 2020)
  • Loan – After 12 installment 50% loan allow . Loan Interest rate = RD Interest rate + 2%
  • Premature Closer – After 3 years , Saving account interest rate applicable
  • Account can be extended for further 5 years. Old Interest rate applicable
  • On death of Account holder nominee can be submit claim at concern post office

SCSS Interest Rate 2022

7.40%

  • Interest Payment Date – 31 Mar, 30 Jun, 30 Sep, 31 Dec
  • An Individual 60 years of age, Retired Civilian Employees above 55 year of age , investment made with in 1 month, Retired Defense Employees above 50 year of age, investment made with in 1 month
  • Minimum Amt – 1,000
  • Maximum Amt – 15 Lakh
  • 80C Tax benefit
  • Interest is taxable if total interest exceed 50,000 in a financial year
  • No TDS Deducted if form 15G/15H submitted

PPF Interest Rate 2022

7.10%

  • Min Amt – 500 per financial year
  • Max Amt – 1,50,000 per financial year
  • Amount can be deposited in any installments in FY
  • Deposit qualify section 80C benefit
  • Interest shall be credited to the account at the end of each FY
  • Interest earned is tax free under Income Tax Act
  • Maturity 15 Yr
Post office Interest Rate History – 15 aug 1987 to 01 Apr 2022
From DateTo DateMISRDSCSSSukanya
Samrudhi
PPF
15-08-198731-03-199112.00%11.00%12.00%
01-04-199123-04-199112.00%11.50%
24-04-199201-03-199314.00%13.50%12.00%
02-03-199331-12-199813.00%12.50%12.00%
01-01-199914-01-200012.00%11.50%12.00%
15-01-200028-02-200111.00%10.50%11.00%
01-03-200128-02-20029.50%9.00%9.50%
01-03-200228-02-20039.00%8.50%9.00%
01-03-200301-08-20048.00%7.50%8.00%
02-08-200430-11-20118.00%7.50%9.00%8.00%
01-12-201131-03-20128.20%8.20%9.00%8.60%
01-04-201231-03-20138.50%8.40%9.30%8.80%
01-04-201331-03-20148.40%8.30%9.20%8.70%
01-04-201431-03-20158.40%8.40%9.20%9.10%8.70%
01-04-201531-03-20168.40%8.40%9.30%9.20%8.70%
01-04-201630-06-20167.80%7.40%8.60%8.60%8.10%
01-07-201630-09-20167.80%7.40%8.60%8.60%8.10%
01-10-201631-03-20177.70%7.30%8.50%8.50%8.00%
01-04-201730-06-20177.60%7.20%8.40%8.40%7.90%
01-07-201731-03-20177.50%7.10%8.30%8.30%7.80%
01-01-201830-09-20187.30%6.90%8.30%8.10%7.60%
01-10-201831-12-20187.70%7.30%8.70%8.50%8.00%
01-01-201931-03-20197.70%7.30%8.70%8.50%8.00%
01-04-201930-06-20197.70%7.30%8.70%8.50%8.00%
01-07-201930-09-20197.60%7.20%8.60%8.40%7.90%
01-10-201931-12-20197.60%7.20%8.60%8.40%7.90%
01-01-202031-03-20207.60%7.20%8.60%8.40%7.90%
01-04-20206.60%5.80%7.40%7.60%7.10%
01-04-20226.60%5.80%7.40%7.60%7.10%
post office interest rate in single table

Time Deposit Interest Rate History

Post office Fixed Deposit call as Time Deposit (TD). For reference purpose I collect all Interest Data from 1981 to 2022

FromTo1 Yr TD2 Yr TD3 Yr TD5 Yr TD
02-03-198131-03-19828.50%9.50%10.50%10.50%
01-04-198228-02-19839.00%9.75%10.50%10.50%
01-03-198309-05-19859.00%9.75%10.50%11.50%
10-05-198531-03-19879.50%10.00%10.50%11.50%
01-04-198731-03-19919.50%10.00%10.50%11.00%
01-04-199130-09-19919.50%10.00%11.00%11.50%
01-10-199115-12-199110.00%11.00%13.00%13.50%
16-12-199101-09-199312.00%12.00%13.00%13.50%
02-09-199331-12-199910.50%11.00%12.00%12.50%
01-01-199914-01-20009.00%10.00%11.00%11.50%
15-01-200028-02-20018.00%9.00%10.00%10.50%
01-03-200128-02-20027.50%8.00%9.00%9.00%
01-03-200228-02-20037.25%7.50%8.25%8.50%
01-03-200330-11-20116.25%6.50%6.25%7.50%
01-12-201131-12-20117.70%7.80%8.00%8.30%
01-04-201231-03-20138.20%8.30%8.40%8.50%
01-04-201331-03-20148.20%8.20%8.30%8.40%
01-04-201431-03-20168.40%8.40%8.40%8.50%
01-04-201630-09-20167.10%7.20%7.40%7.90%
01-10-201631-03-20177.00%7.10%7.30%7.80%
01-04-201730-06-20176.90%7.00%7.20%7.70%
01-07-201731-12-20176.80%6.90%7.10%7.60%
01-01-201830-09-20186.60%6.70%6.90%7.40%
01-10-201831-12-20186.90%7.00%7.20%7.80%
01-01-201931-03-20197.00%7.00%7.00%7.80%
01-04-201930-06-20197.00%7.00%7.00%7.80%
01-07-201930-09-20196.90%6.90%6.90%7.70%
01-10-201931-12-20196.90%6.90%6.90%7.70%
01-01-202031-03-20206.90%6.90%6.90%7.70%
01-04-20205.50%5.50%5.50%6.70%
Time Deposit History from 1981

Saving Account Interest Rate

Post office saving bank account Interest Rate History from 1981

FromToInterest Rate
01-04-198131-12-19985.50%
01-01-199928-02-20014.50%
01-03-200130-11-20113.50%
01-12-20114.00%
PO Saving A/c History from 1981

NSC 87

FromToInterest Date
01-04-198728-02-200211.00%
01-03-200330-09-20207.50%
NSS87 -Interest Rate History

NSS 92

FromToInterest Date
16-12-199214-01-200011.00%
15-01-200028-02-200110.50%
01-03-200128-02-20029.00%
01-03-200228-02-20038.50%
01-03-20037.50%
NSS87 -Interest Rate History