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Reference rates

Official rates, in one place

Small-savings rates are set by the Ministry of Finance every quarter, EPF by EPFO every year, and the repo rate by the RBI. Bank rates shown are State Bank of India's published card rates; your rate may differ. Each figure links to its source.

Where savings earn the most

  • Employees' Provident Fund (EPF) — FY 2025-268.25%
  • Sukanya Samriddhi (SSY)8.2%
  • Senior Citizens Savings Scheme (SCSS)8.2%
  • National Savings Certificate (NSC)7.7%
  • Kisan Vikas Patra (KVP)7.5%
  • Post Office Time Deposit — 5 years7.5%
  • Post Office Monthly Income Scheme7.4%
  • Public Provident Fund (PPF)7.1%
  • Post Office Recurring Deposit (5 yr)6.7%
  • Bank FD 2–3 years (SBI)6.4%
  • Bank FD 1–2 years (SBI)6.25%
  • Bank FD 5–10 years (SBI)6.05%
  • Post Office Savings Account4%
  • Savings account (SBI)2.5%

What borrowing costs

  • Personal loan (SBI, from)10%
  • Gold loan (SBI, from)9.2%
  • Car / auto loan (SBI, from)8.45%
  • Home loan (SBI, from)7.5%
  • Education loan (SBI, from)6.9%

Starting rates for good credit profiles. Repo rate 5.5%; CPI inflation 5.54%.

Government small savings

Scheme / productRateValidSource
Public Provident Fund (PPF)Compounded yearly; ₹500–₹1.5 lakh a year; 15-year term7.1%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Sukanya Samriddhi (SSY)Compounded yearly; girl child under 108.2%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Senior Citizens Savings Scheme (SCSS)Paid quarterly; 5 years8.2%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
National Savings Certificate (NSC)Compounded yearly, paid at maturity; 5 years7.7%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Kisan Vikas Patra (KVP)Doubles in 115 months7.5%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Monthly Income SchemePaid monthly; 5 years7.4%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Recurring Deposit (5 yr)Compounded quarterly6.7%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Time Deposit — 1 year6.9%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Time Deposit — 2 years7%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Time Deposit — 3 years7.1%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Time Deposit — 5 years7.5%1 Oct 2026 – 31 Dec 2026Ministry of Finance, Dept. of Economic Affairs — OM dated 30.09.2026 (Q3 FY 2026-27: rates unchanged)Checked 21 Oct 2026
Post Office Savings Account4%1 Oct 2026 – 31 Dec 2026India Post — small savings schemesChecked 21 Oct 2026

Provident fund

Scheme / productRateValidSource
Employees' Provident Fund (EPF) — FY 2025-26Declared yearly by EPFO's Central Board of Trustees; notified 01.07.20268.25%1 Apr 2025 – 30 Jun 2027EPFO via All India Radio News (Prasar Bharati)Checked 21 Oct 2026

Bank deposits

Scheme / productRateValidSource
Bank FD 1–2 years (SBI)Senior citizens 6.75%6.25%15 Dec 2025 – 31 Dec 2026State Bank of India — retail domestic term deposits (w.e.f. 15.12.2025)Checked 21 Oct 2026
Bank FD 2–3 years (SBI)Senior citizens 6.90%6.4%15 Dec 2025 – 31 Dec 2026State Bank of India — retail domestic term deposits (w.e.f. 15.12.2025)Checked 21 Oct 2026
Bank FD 3–5 years (SBI)Senior citizens 6.80%6.3%15 Dec 2025 – 31 Dec 2026State Bank of India — retail domestic term deposits (w.e.f. 15.12.2025)Checked 21 Oct 2026
Bank FD 5–10 years (SBI)Senior citizens 7.05%6.05%15 Dec 2025 – 31 Dec 2026State Bank of India — retail domestic term deposits (w.e.f. 15.12.2025)Checked 21 Oct 2026
Savings account (SBI)2.5%15 Jun 2025 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026

Bank loans

Scheme / productRateValidSource
Home loan (SBI, from)EBLR-linked; w.e.f. 15.10.20267.5%15 Oct 2026 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026
Car / auto loan (SBI, from)8.45%15 Oct 2026 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026
Personal loan (SBI, from)10%15 Oct 2026 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026
Education loan (SBI, from)6.9%15 Oct 2026 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026
Gold loan (SBI, from)9.2%15 Oct 2026 – 31 Dec 2026State Bank of India — interest rates (updated 15.10.2026)Checked 21 Oct 2026

RBI policy

Scheme / productRateValidSource
RBI policy repo rateRaised 25 bps on 07.10.2026; next MPC review December 20265.5%7 Oct 2026 – 4 Dec 2026Reserve Bank of IndiaChecked 21 Oct 2026

Inflation

Scheme / productRateValidSource
CPI inflation (Sept 2026, year-on-year)Provisional, base 2024; RBI target 4% (2–6% band)5.54%1 Sep 2026 – 15 Nov 2026Ministry of Statistics & PI (MoSPI) press releaseChecked 21 Oct 2026