Post Office Scheme

–

Post Office Interest Rate Chart – Jan 2023

Instrument	Interest Rate	Compound Frequency
PO Saving A/C	4.00%	Annually
1 Yr Time Deposit	6.60% (Annual Interest R. 677 on Rs. 10000 deposit)	Quarterly
2 Yr Time Deposit	6.80% (Annual Interest R. 697 on Rs. 10000 deposit)	Quarterly
3 Yr Time Deposit	6.90% (Annual Interest R. 708 on Rs. 10000 deposit)	Quarterly
5 Yr Time Deposit	7.00% (Annual Interest R. 718 on Rs. 10000 deposit)	Quarterly
5 Yr RD Scheme	5.8 Maturity value for Rs. 1000 Dn. 5 Year = 69696.70)	Quarterly
SCSS	8.00% (Quarterly interest Rs. 2,000 on Rs. 1,00,000 deposit)	Quarterly
MIS	7.00% (Monthly int. Rs. 590 on Rs. 1,00,000 deposit)	Quarterly
NSC – (VIII Issue)	7.00% (Maturity Value Rs. 1,403 for Rs.1000 deposit)	Annually
PPF	7.10%	Annually
KVP	7.20% (maturity 120 Month)	Annually
Suknaya Samrudhi	7.60%	Annually

Post Office Interest Rate Chat Jan 2023

Post Office Interest Rate Chart – June 2022

Instrument	Interest Rate	Compound Frequency
PO Saving A/C	4.00%	Annually
1 Yr Time Deposit	5.5% (Annual Interest R. 561 on Rs. 10000 deposit)	Quarterly
2 Yr Time Deposit	5.5% (Annual Interest R. 561 on Rs. 10000 deposit)	Quarterly
3 Yr Time Deposit	5.5% (Annual Interest R. 561 on Rs. 10000 deposit)	Quarterly
5 Yr Time Deposit	6.7% (Annual Interest R. 687 on Rs. 10000 deposit)	Quarterly
5 Yr RD Scheme	5.8 Maturity value for Rs. 1000 Dn. 5 Year = 69696.70)	Quarterly
SCSS	7.4(Quarterly interest Rs. 1850 on Rs. 1,00,000 deposit)	Quarterly
MIS	6.6(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
PPF	7.10%	Annually
KVP	6.90% (maturity 124 Month)	Annually
Suknaya Samrudhi	7.60%	Annually

5 Yr RD Account
SCSS
PPF

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 Date	To Date	MIS	RD	SCSS	Sukanya Samrudhi	PPF
15-08-1987	31-03-1991	12.00%	11.00%	–	–	12.00%
01-04-1991	23-04-1991	12.00%	11.50%
24-04-1992	01-03-1993	14.00%	13.50%	–		12.00%
02-03-1993	31-12-1998	13.00%	12.50%	–		12.00%
01-01-1999	14-01-2000	12.00%	11.50%	–		12.00%
15-01-2000	28-02-2001	11.00%	10.50%	–		11.00%
01-03-2001	28-02-2002	9.50%	9.00%	–		9.50%
01-03-2002	28-02-2003	9.00%	8.50%	–		9.00%
01-03-2003	01-08-2004	8.00%	7.50%	–		8.00%
02-08-2004	30-11-2011	8.00%	7.50%	9.00%		8.00%
01-12-2011	31-03-2012	8.20%	8.20%	9.00%	–	8.60%
01-04-2012	31-03-2013	8.50%	8.40%	9.30%	–	8.80%
01-04-2013	31-03-2014	8.40%	8.30%	9.20%	–	8.70%
01-04-2014	31-03-2015	8.40%	8.40%	9.20%	9.10%	8.70%
01-04-2015	31-03-2016	8.40%	8.40%	9.30%	9.20%	8.70%
01-04-2016	30-06-2016	7.80%	7.40%	8.60%	8.60%	8.10%
01-07-2016	30-09-2016	7.80%	7.40%	8.60%	8.60%	8.10%
01-10-2016	31-03-2017	7.70%	7.30%	8.50%	8.50%	8.00%
01-04-2017	30-06-2017	7.60%	7.20%	8.40%	8.40%	7.90%
01-07-2017	31-03-2017	7.50%	7.10%	8.30%	8.30%	7.80%
01-01-2018	30-09-2018	7.30%	6.90%	8.30%	8.10%	7.60%
01-10-2018	31-12-2018	7.70%	7.30%	8.70%	8.50%	8.00%
01-01-2019	31-03-2019	7.70%	7.30%	8.70%	8.50%	8.00%
01-04-2019	30-06-2019	7.70%	7.30%	8.70%	8.50%	8.00%
01-07-2019	30-09-2019	7.60%	7.20%	8.60%	8.40%	7.90%
01-10-2019	31-12-2019	7.60%	7.20%	8.60%	8.40%	7.90%
01-01-2020	31-03-2020	7.60%	7.20%	8.60%	8.40%	7.90%
01-04-2020	30-09-2022	6.60%	5.80%	7.40%	7.60%	7.10%
01-10-2022	31-12-2022	7.10%	5.80%	8.00%	7.60%	7.10%
01-01-2023	as on date	7.10%	5.80%	8.00%	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

From	To	1 Yr TD	2 Yr TD	3 Yr TD	5 Yr TD
02-03-1981	31-03-1982	8.50%	9.50%	10.50%	10.50%
01-04-1982	28-02-1983	9.00%	9.75%	10.50%	10.50%
01-03-1983	09-05-1985	9.00%	9.75%	10.50%	11.50%
10-05-1985	31-03-1987	9.50%	10.00%	10.50%	11.50%
01-04-1987	31-03-1991	9.50%	10.00%	10.50%	11.00%
01-04-1991	30-09-1991	9.50%	10.00%	11.00%	11.50%
01-10-1991	15-12-1991	10.00%	11.00%	13.00%	13.50%
16-12-1991	01-09-1993	12.00%	12.00%	13.00%	13.50%
02-09-1993	31-12-1999	10.50%	11.00%	12.00%	12.50%
01-01-1999	14-01-2000	9.00%	10.00%	11.00%	11.50%
15-01-2000	28-02-2001	8.00%	9.00%	10.00%	10.50%
01-03-2001	28-02-2002	7.50%	8.00%	9.00%	9.00%
01-03-2002	28-02-2003	7.25%	7.50%	8.25%	8.50%
01-03-2003	30-11-2011	6.25%	6.50%	6.25%	7.50%
01-12-2011	31-12-2011	7.70%	7.80%	8.00%	8.30%
01-04-2012	31-03-2013	8.20%	8.30%	8.40%	8.50%
01-04-2013	31-03-2014	8.20%	8.20%	8.30%	8.40%
01-04-2014	31-03-2016	8.40%	8.40%	8.40%	8.50%
01-04-2016	30-09-2016	7.10%	7.20%	7.40%	7.90%
01-10-2016	31-03-2017	7.00%	7.10%	7.30%	7.80%
01-04-2017	30-06-2017	6.90%	7.00%	7.20%	7.70%
01-07-2017	31-12-2017	6.80%	6.90%	7.10%	7.60%
01-01-2018	30-09-2018	6.60%	6.70%	6.90%	7.40%
01-10-2018	31-12-2018	6.90%	7.00%	7.20%	7.80%
01-01-2019	31-03-2019	7.00%	7.00%	7.00%	7.80%
01-04-2019	30-06-2019	7.00%	7.00%	7.00%	7.80%
01-07-2019	30-09-2019	6.90%	6.90%	6.90%	7.70%
01-10-2019	31-12-2019	6.90%	6.90%	6.90%	7.70%
01-01-2020	31-03-2020	6.90%	6.90%	6.90%	7.70%
01-04-2020	30-09-2022	5.50%	5.50%	5.50%	6.70%
01-10-2022	31-12-2022	6.60%	6.80%	6.90%	7.00%
01-01-2023	as on date	6.60%	6.80%	6.90%	7.00%

Time Deposit History from 1981

Saving Account Interest Rate

Post office saving bank account Interest Rate History from 1981

From	To	Interest Rate
01-04-1981	31-12-1998	5.50%
01-01-1999	28-02-2001	4.50%
01-03-2001	30-11-2011	3.50%
01-12-2011	31-12-2022	4.00%
01-04-2023		4.00%

PO Saving A/c History from 1981

NSS 87

From	To	Interest Date
01-04-1987	28-02-2002	11.00%
01-03-2003	30-09-2020	7.50%

NSS87 -Interest Rate History

NSS 92

From	To	Interest Date
16-12-1992	14-01-2000	11.00%
15-01-2000	28-02-2001	10.50%
01-03-2001	28-02-2002	9.00%
01-03-2002	28-02-2003	8.50%
01-03-2003	30-09-2020	7.50%