Every three months, the Government of India announces interest rates for the small savings schemes — PPF, Sukanya Samriddhi Yojana, Senior Citizens Savings Scheme, NSC, KVP, Post Office MIS, Time Deposits and RD — the safest investments in India, backed directly by the sovereign guarantee.
The rates for October–December 2026 are out, and they have been kept unchanged from the previous quarter — continuing the pattern of rate stability we've seen for several quarters now. That's good news for existing investors (your PPF/SSY balances keep earning the same), and for new investors it means today's locked rates on NSC/SCSS/KVP are among the best government-guaranteed returns available anywhere.
But a rate list alone doesn't help you decide anything. This guide goes further: the full table, which schemes are tax-free (EEE) and which are taxable, real return calculations, scheme-by-scheme rules (PPF loans and withdrawals, SSY partial withdrawals, SCSS extension), premature closure rules, limits, a combo strategy for retirees, how these rates compare with bank FDs, and which scheme fits which goal.
Small Savings Interest Rates: October–December 2026 (Full Table)
| Scheme | Interest Rate (p.a.) | Change | Compounding/Payout |
|---|---|---|---|
| Post Office Savings Account | 4.0% | No change | Yearly |
| 1-Year Time Deposit | 6.9% | No change | Annual, paid at maturity |
| 2-Year Time Deposit | 7.0% | No change | Annual, paid at maturity |
| 3-Year Time Deposit | 7.1% | No change | Annual, paid at maturity |
| 5-Year Time Deposit | 7.5% | No change | Annual, paid at maturity |
| 5-Year Recurring Deposit (RD) | 6.7% | No change | Quarterly compounding |
| Senior Citizens Savings Scheme (SCSS) | 8.2% | No change | Quarterly payout |
| Monthly Income Scheme (POMIS) | 7.4% | No change | Monthly payout |
| National Savings Certificate (NSC) | 7.7% | No change | Compounded annually, paid at maturity |
| Kisan Vikas Patra (KVP) | 7.5% | No change | Doubles in ~115 months |
| Public Provident Fund (PPF) | 7.1% | No change | Annual (year-end credit) |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | No change | Annual |
Rates are notified by the Ministry of Finance each quarter. Always confirm on the official India Post or National Savings Institute websites before investing.
How Are These Rates Decided? (And When Do They Change?)
- The mechanism: the Ministry of Finance reviews and notifies small savings rates every quarter (April–June, July–September, October–December, January–March). The formula is linked to government bond yields of a similar period, with a mark-up — which is why rates have stayed high and stable while bank FD rates fell.
- Why stability helps you: several quarters of unchanged rates mean predictable planning — and if bond yields rise further, there's upside room; if they fall, your LOCKED schemes (NSC/SCSS/KVP/TD) are protected anyway.
- Next announcement: rates for January–March 2027 are typically notified in the last days of December 2026 — bookmark this page; we update it every quarter.
Floating vs Locked — Which Rate Applies to YOUR Account?
| Type | Schemes | How the Rate Works | What It Means for You |
|---|---|---|---|
| Floating | PPF, Sukanya Samriddhi, Savings Account | Each quarter's notified rate applies to your entire balance | Your return moves with national rates — up or down, every quarter |
| Locked at opening | NSC, KVP, SCSS, MIS, Time Deposits, RD | The rate on the day you OPEN the account stays fixed for the full term | Today's rate is guaranteed for 5+ years regardless of future cuts — open when rates are attractive |
Tax Status — EEE vs Taxable (This Table Changes Decisions)
A higher rate that's fully taxable can net you LESS than a lower tax-free rate. Here's the honest tax picture:
| Scheme | Investment Deduction (80C, old regime) | Interest | Maturity Amount | Overall |
|---|---|---|---|---|
| PPF | ✅ Yes | ✅ Tax-free | ✅ Tax-free | EEE — fully tax-free |
| Sukanya Samriddhi | ✅ Yes | ✅ Tax-free | ✅ Tax-free | EEE — fully tax-free |
| SCSS | ✅ Yes | ❌ Taxable (your slab) | Principal returned (no "maturity gain") | Interest taxed quarterly when received |
| MIS | ❌ No | ❌ Taxable (your slab) | Principal returned | Monthly interest taxed |
| NSC | ✅ Yes (plus reinvested interest counts as 80C in years 1–4) | ❌ Taxable (accrued yearly) | Taxed portion already covered | Interest taxed, but with reinvestment benefit |
| KVP | ❌ No | ❌ Taxable | The "doubling" gain is taxed | No deduction, taxable gain |
| Time Deposits / RD | ✅ Only 5-Year TD | ❌ Taxable (TDS may apply above thresholds) | Interest portion taxed | Only the 5-Year TD gets 80C |
How Much Will You Actually Earn? (Real Calculations)
| Scheme & Investment | Result |
|---|---|
| PPF — ₹1.5 lakh every year for 15 years at 7.1% (deposited before 5 April each year) | About ₹40.7 lakh at maturity (you invested ₹22.5 lakh — interest ≈ ₹18.2 lakh) |
| PPF timing matters: the same ₹1.5L deposited at year-END instead of year-start | Matures meaningfully lower — deposit before the 5th of April every year for the full year's interest |
| NSC — ₹1 lakh for 5 years at 7.7% | About ₹1,44,903 at maturity (gain ≈ ₹44,903) |
| KVP — ₹1 lakh at 7.5% | Becomes ₹2 lakh in about 115 months (9 years 7 months) |
| SCSS — ₹30 lakh (maximum) at 8.2% | About ₹61,500 every quarter (≈ ₹20,500/month) as interest income |
| MIS — ₹9 lakh (single maximum) at 7.4% | Exactly ₹5,550 every month as interest |
| SSY — ₹1.5 lakh/year for 15 years at 8.2%, held to 21 years | Roughly ₹69–70 lakh at maturity (rate-dependent) — all tax-free, for a daughter's future |
| 5-Year TD — ₹5 lakh at 7.5% | Matures around ₹7.25 lakh (annual compounding, approximate) |
PPF/SSY examples assume the current rate continues (floating — actual totals depend on future quarterly rates). NSC/KVP/SCSS/MIS/TD figures are locked-rate calculations. Tax treatment varies by your slab — see the tax table above.
Scheme by Scheme — The Rules That Decide Everything
PPF — The 15-Year Tax-Free Workhorse
- Basics: ₹500 minimum / ₹1.5 lakh maximum per year • 15-year lock-in • current 7.1% tax-free • open at post office or major banks.
- The deposit timing trick: interest is calculated on the lowest balance between the 5th and month-end — so deposit before the 5th of April (lump-sum) or before the 5th of every month (instalments) to earn the full year's/month's interest.
- Loan facility (years 3–6): from the 3rd to the 6th year, you can take a loan against the PPF balance (up to 25% of the balance two years prior) at low interest — cheaper than any personal loan (see the comparison in our personal loan guide for context).
- Partial withdrawal (year 7+): from the 7th year, partial withdrawals are allowed (within limits tied to your balances) without closing.
- Extension after 15 years: extend in 5-year blocks — with or without fresh deposits. Extended accounts keep earning the notified rate.
- Premature closure: allowed after 5 years only for genuine reasons (medical treatment, higher education) — with 1% reduced interest.
Sukanya Samriddhi Yojana — The Daughter's 8.2% (EEE)
- Eligibility: for a girl child below 10 years of age (natural/adoptive/legal guardian opens it). Maximum 2 accounts per family (exceptions for twins/triplets).
- Deposits: ₹250–₹1.5 lakh per year for the first 15 years; the account matures at 21 years from opening. Miss-a-year flexibility applies (minimum ₹250 + small penalty to reactivate).
- Partial withdrawal: up to 50% for the girl's education after she turns 18 (or passes 10th) — designed exactly for college fees.
- Marriage closure: the account can be closed early for marriage only after the girl turns 18 — with age proof.
- The headline benefit: 8.2% + full EEE tax status = the single highest tax-free government return available in India. If you have a daughter under 10 and unused 80C space, this should be at the top of your list.
SCSS — The Retiree's Quarterly Income Machine
- Eligibility: 60+ (any retiree) • 55+ for retired defence personnel (within 1 month of retirement) and voluntary retirees (within 3 months, with VRS proof).
- Deposit: ₹1,000 minimum, ₹30 lakh maximum (individual) — ₹60 lakh for a senior couple using two accounts.
- Payout: interest paid every quarter (1 April / 1 July / 1 October / 1 January) into your linked savings account — the closest thing to a pension the government offers directly.
- Tenure & extension: 5 years, extendable once by 3 years within a year of maturity — extension continues earning the then-applicable rate.
- Premature closure: after 1 year — interest reduction applies (1.5% if closed in years 1–2; 1% thereafter), and the closed amount earns savings-account rate.
- Only one SCSS account per person (deposit spread across it).
Post Office MIS — The Monthly Salary from Savings
- Deposit: ₹1,000 minimum, ₹9 lakh single / ₹15 lakh joint maximum. 5-year tenure.
- Payout: interest paid every month — ₹9 lakh at 7.4% = ₹5,550/month, credited to your savings account.
- Maturity: full principal returns after 5 years (interest was consumed monthly).
- Premature closure: before 1 year = not allowed; 1–3 years = 2% deducted from interest; after 3 years = 1% deducted.
- The classic combo: see the MIS+TD strategy section below — retirees use MIS's monthly payout plus TD's maturity for a two-layer income plan.
NSC — The Tax-Saving Fixed Return
- Deposit: ₹1,000 minimum, no maximum. 5-year tenure. Rate locked at opening (7.7% now).
- The 80C reinvestment bonus: the interest NSC accrues each year counts as reinvested 80C deduction in years 1–4 (for old-regime filers) — effectively letting your interest earn deductions too.
- Interest is taxable when it accrues (yearly), though not paid out until maturity — plan the tax reporting accordingly.
- Premature closure: generally not allowed (except death of holder or by court order) — NSC is a true hold-to-maturity instrument.
- Can be pledged as loan collateral at banks.
KVP — The Money-Doubler (No Tax Break, Pure Simplicity)
- Deposit: ₹1,000 minimum, no maximum. Doubles in about 115 months (₹1,000 → ₹2,000) — the entire appeal is this fixed doubling promise.
- No 80C deduction, gain is taxable — KVP is for people who want certainty, not tax efficiency.
- Premature closure: after 2 years 6 months only — principal returned (the earlier you close, the lower the effective benefit).
- Best for: risk-averse savers with a specific future goal (a ₹5 lakh expense 9–10 years out becomes ₹2.5 lakh today in KVP terms).
Time Deposits & RD — The Flexible Ladder
- Time Deposits: 1/2/3/5-year options at 6.9/7.0/7.1/7.5%. Only the 5-Year TD qualifies for 80C. Rates lock at opening. TDS may apply on interest above thresholds per current rules.
- 5-Year RD: ₹100 minimum per month, 6.7%, quarterly compounding — the disciplined-saver's scheme. Extension up to 5 more years allowed.
- The ladder strategy: split a lump sum across 1/2/3/5-year TDs — as each matures, reinvest at the longest term. You get regular access points AND the highest 5-year rate working for most of your money.
Which Scheme Is Right for You? (Goal-Based Answer)
| Your Goal | Best Fit | Why |
|---|---|---|
| Daughter under 10 — education/marriage fund | Sukanya Samriddhi | 8.2% + full EEE + education withdrawal facility |
| Long-term tax-free compounding | PPF | 7.1% tax-free, 80C, loan/withdrawal flexibility |
| Retirement income (60+) | SCSS | 8.2% quarterly payout, ₹30 lakh capacity |
| Monthly income (any age) | Post Office MIS | 7.4% monthly payout, ₹9L/₹15L caps |
| 80C tax saving with fixed return | NSC or 5-Year TD | 7.7% locked / 7.5% locked + deduction |
| Guaranteed doubling for a future goal | KVP | Doubles in ~115 months, sovereign-backed |
| Disciplined monthly saving | RD | ₹100/month start, 6.7% quarterly compounding |
| High slab + want tax-free | PPF > SSY | Tax-free beats higher taxable rates (see tax table) |
| Zero/low tax slab + want income | SCSS or MIS | Taxable doesn't hurt at low slabs — take the higher rate |
Key Limits at a Glance
| Scheme | Minimum | Maximum | Tenure / Lock-in |
|---|---|---|---|
| PPF | ₹500/year | ₹1.5 lakh/year | 15 years (+5-year extensions) |
| Sukanya Samriddhi | ₹250/year | ₹1.5 lakh/year | Deposits 15 years; matures at 21 years |
| SCSS | ₹1,000 | ₹30 lakh | 5 years (+3-year extension once) |
| MIS | ₹1,000 | ₹9 lakh (single) / ₹15 lakh (joint) | 5 years |
| NSC | ₹1,000 | No limit | 5 years |
| KVP | ₹1,000 | No limit | ~115 months (early exit after 2.5 years) |
| Time Deposits | ₹1,000 | No limit | 1/2/3/5 years |
| RD | ₹100/month | No limit | 5 years (+5-year extension) |
Premature Closure Rules (Know Before You Commit)
| Scheme | Early Exit Allowed? | The Cost |
|---|---|---|
| PPF | After 5 years (medical/education reasons) | 1% lower interest on the whole tenure |
| SSY | Only for marriage (girl 18+) or on death; 50% withdrawal for education after 18 | Normal closure conditions per scheme rules |
| SCSS | After 1 year | 1.5% deducted (years 1–2) / 1% deducted (after 2 years); closed amount earns savings rate |
| MIS | After 1 year | 2% deducted (years 1–3) / 1% deducted (after 3 years) |
| NSC | Generally not allowed | Only on death/court order |
| KVP | After 2 years 6 months | Principal returned without the full doubling benefit |
| Time Deposits | Anytime | Early closures earn reduced/savings-account rates per rules |
How to Open These Accounts (Post Office, Bank or Online)
- Choose whereEvery post office offers all schemes; most major public and private banks offer PPF, SSY, SCSS and TDs. Open where you'll maintain it for years — convenience beats rate-shopping between branches.
- DocumentsAadhaar, PAN, passport-size photos; for SSY — the girl's birth certificate; for SCSS — age proof (Aadhaar works) and retirement documents where applicable.
- Fill the form and make the first depositCash/cheque/transfer at the counter. Set up nomination immediately (see below).
- Go online for future depositsBank customers: PPF/SSY/TD deposits flow through net banking after opening. Post office customers: IPPB app (India Post Payments Bank) links to your PO accounts for deposits, and India Post's internet banking handles many services online — set these up at account opening to never visit the branch for routine deposits.
- Keep the passbook/receipt safePhysical or digital — it's your proof for maturity, transfers and nominations.
The Retiree's Combo Strategy (MIS + SCSS + TD Together)
Sophisticated but simple — how income-focused retirees layer these schemes:
- Layer 1 — SCSS ₹30 lakh: the biggest chunk at 8.2%, paying ~₹61,500 quarterly — covers big periodic expenses.
- Layer 2 — MIS (joint) ₹15 lakh: ~₹9,250/month between two accounts — covers the monthly budget.
- Layer 3 — TD ladder: a reserve slice in 1–3-year TDs for emergencies, maturing at staggered dates.
- The result: sovereign-guaranteed income of roughly ₹20,000–30,000/month depending on corpus — no market risk anywhere, no agent commissions, fully under your control.
- Tax note: interest from all layers is taxable — low-slab retirees keep nearly all of it; higher-slab retirees should model after-tax numbers before finalising the mix.
How Do These Rates Compare With Bank FDs?
- The headline comparison: 5-Year Post Office TD at 7.5% has consistently beaten most major bank 5-year FD rates in recent years — while carrying the same sovereign safety as a government scheme.
- Small finance banks sometimes offer higher FD rates — but weigh the extra return against the deposit-insurance limit (₹5 lakh per bank per depositor under DICGC) and the bank's stability.
- Senior citizens get +0.50% at most banks — a bank's senior FD rate can occasionally match SCSS, but SCSS's quarterly PAYOUT (vs FD's maturity payout) and the 80C benefit keep SCSS ahead for income needs.
- What banks offer that PO schemes don't: shorter tenures (7 days–12 months), auto-renewal flexibility, and loan-against-FD at better terms — use banks for flexibility, PO schemes for rate and safety.
Nomination — The 2-Minute Step Families Regret Skipping
- Set nomination at account opening for every scheme — PPF, SSY (guardian-held), SCSS, MIS, NSC, KVP, TD, RD.
- Without nomination, heirs face legal-heir documentation, delays and branch visits to claim matured amounts. With nomination, the payout moves smoothly.
- Life changes (marriage, deaths in family)? Update nominations at the branch — one form each time.
Common Problems & Solutions (All Fixed)
| Problem | What to Do |
|---|---|
| Missed the yearly PPF deposit before 5 April | Deposit anytime during the year to keep the account active (₹500 minimum + default-fee if defaulted) — but note the interest is calculated on the lower balance; deposit before the 5th of any month you pay in |
| PPF account went inactive (no deposit in a year) | Reactivate with the minimum deposit + a small default fee per defaulted year at the branch — the account and past interest continue |
| SCSS quarterly interest not credited | Check the linked savings account is ACTIVE and correctly linked; confirm the payout cycle dates (1 Apr/Jul/Oct/Jan); follow up at the branch with your account details — pending payouts release on correction |
| Two SSY accounts opened for one daughter (by mistake) | One girl = one account (2 per family max is for two daughters). Close/excess handling per scheme rules at the branch — deposits in the extra account get returned per the correction process. Fix early |
| Girl crossed 10 years — can I still open SSY? | Generally no — the under-10 rule is strict. Check the scheme's current official provisions for any relaxation; otherwise, PPF in the girl's name is the alternative long-term option |
| KVP/NSC certificate lost | Apply for a duplicate at the issuing post office (indemnity bond + identity proof per procedure) — the investment is safe; the paper is replaceable. Better: keep a clear photo of the certificate as backup |
| Want to transfer my PPF/account to another city or bank | Accounts transfer between post offices and to banks (and vice versa) on request — fill the transfer form at the current branch. The account number and history continue |
| Interest rates changed after I opened NSC/SCSS — do I get the new rate? | No — locked schemes (NSC/KVP/SCSS/MIS/TD) keep the OPENING-day rate to maturity. Only floating schemes (PPF/SSY/Savings) move with quarterly rates |
| TDS deducted on my TD/MIS interest though my income is below taxable limits | Submit Form 15G (below 60) / 15H (60+) at the start of each financial year to avoid TDS if your total income is under the taxable threshold — and claim any deducted TDS back in your ITR (see our ITR refund guide's portal process for claiming credits) |
| Agent promised "extra interest" on PPF at a private office | Fraud — small savings rates are fixed by the government and identical everywhere. Pay nothing beyond the official deposit; open only at post offices/authorised banks. Report to 1930 if money was taken |
| Joint MIS holder died — what happens to the account? | The account continues per scheme rules with the survivor; the payout arrangement updates at the branch with the death certificate. Nomination determines the final claim on maturity |
| Should I put money in these schemes or a mutual fund/SIP? | Different tools for different jobs: these schemes = guaranteed capital + fixed returns (safety layer); equities = growth with volatility (growth layer). Most sound portfolios hold both — your age, goals and risk capacity decide the mix; consider a qualified financial advisor for the split |
Official Links (Save This Table)
| Service | Official Link |
|---|---|
| India Post (all PO schemes, branch locator, IPPB info) | indiapost.gov.in |
| National Savings Institute (scheme rules, rate notifications) | nsiindia.gov.in |
| India Post Payments Bank (online deposits for PO accounts) | IPPB app — Play Store / App Store (by India Post) |
| Ministry of Finance (rate notifications) | finmin.nic.in — Department of Economic Affairs notifications |
| Fraud reporting | 1930 / cybercrime.gov.in |
Frequently Asked Questions
What is the PPF interest rate for October–December 2026?
7.1% per year — unchanged from the previous quarter. PPF rates are floating, so each quarter's notified rate applies to your entire balance.
What is the Sukanya Samriddhi interest rate now?
8.2% per year for October–December 2026 — the highest government-guaranteed rate available, and fully tax-free (EEE).
When will the next rates be announced?
Rates for January–March 2027 are typically notified in the last days of December 2026. Check this page around 1 January — we update it every quarter.
Are small savings schemes safe?
Yes — they're backed by the Government of India's sovereign guarantee. There is no market risk to your capital or interest, unlike equities or corporate deposits. This is the safety layer of any Indian savings plan.
Is PPF interest tax-free?
Yes — fully. Investment (80C), interest and maturity amount are all tax-free (EEE status). Only the old tax regime offers the 80C deduction, but the interest/maturity exemption applies regardless of regime.
Is SCSS interest taxable?
Yes — SCSS interest is taxed at your income slab as it's received quarterly. No TDS-era surprises though: it's reported as income from other sources. For retirees below the taxable threshold, the effective rate is the full 8.2%.
Can I open PPF and Sukanya both?
Yes — they serve different purposes and family members. A parent can hold their own PPF AND an SSY account for their daughter (each within its own limits). Both count toward your 80C aggregate limit (old regime).
What happens to my NSC if rates change next quarter?
Nothing — NSC locks the rate on your opening day for the full 5 years. You'll earn the locked rate regardless of future quarterly changes. This is exactly why opening NSC/SCSS/KVP when rates are high is strategic.
Can I extend my PPF after 15 years?
Yes — in 5-year blocks, with or without continuing deposits (you choose at extension). The extended account keeps earning the notified rate; withdrawals during extension follow the applicable rules. Many investors run PPF for 20–30 years this way.
Can I take a loan against my PPF?
Yes — from the 3rd to the 6th year, up to 25% of the balance two years prior, at modest interest. It's among the cheapest borrowing available — far cheaper than personal loans. From the 7th year, partial withdrawals replace loans as the liquidity option.
My daughter just turned 10 — can I still open SSY for her?
Generally no — SSY requires the girl to be below 10 at account opening. Alternatives: PPF in her name (same 15-year discipline, 7.1% tax-free), or NSC/TDs for fixed-tenure goals. Check current scheme provisions for any official relaxation.
How much can I deposit in SCSS with my spouse?
₹30 lakh each — a senior couple can park ₹60 lakh total across two SCSS accounts (one per spouse), each earning 8.2% quarterly. This is the standard structure for retirement income from a joint corpus.
Is TDS deducted on post office interest?
It can be — TDS rules on interest apply above specified thresholds, and post office deposits fall within the framework. Submit Form 15G/15H at the start of the year if your total income is below taxable limits, and always report the interest in your ITR (deducted TDS is claimable as refund via your return).
Which is better — PPF or ELSS mutual funds?
Different risk profiles: PPF = guaranteed 7.1% tax-free, zero risk, 15-year lock. ELSS = market-linked (historically higher over long terms, but volatile), 3-year lock, 80C benefit. Conservative investors and those near goals prefer PPF; long-horizon investors comfortable with volatility often blend both. Neither is "better" universally — your risk appetite decides.
Can NRIs open or continue these accounts?
NRIs generally cannot OPEN new small savings accounts — but accounts opened while resident (like PPF) can usually be HELD until maturity without fresh extensions in some cases. Rules have nuances — confirm your specific account's position at the branch/NSI before relying on it.
Can I open these accounts online without visiting a post office?
Partially — banks let existing customers open PPF/SSY/TDs through net banking, and IPPB supports digital services for India Post accounts. Most first-time post-office account openings still need one branch visit with KYC documents. After opening, deposits go online.
What is the minimum to keep a PPF account active?
₹500 per financial year. Deposit nothing and the account lapses into default — reactivate with the arrears + a small per-year default fee. A standing instruction of even ₹500/year prevents this forever; most people automate the full ₹1.5 lakh in April.
MIS monthly income — can it go directly to my bank account?
Yes — link your savings account (post office or bank) at opening, and the monthly interest auto-credits there. That's the standard setup for the MIS-as-pension strategy. Verify the credit each month for the first few cycles to confirm the flow.
Should I invest the full ₹30 lakh in SCSS or split across schemes?
For pure income at 60+, SCSS's full capacity at 8.2% quarterly payout is hard to beat. But concentration in one instrument has its own risk-profile cost — the layered approach (SCSS + MIS + TD ladder, section above) balances income, liquidity and maturity spread. Size each layer to your monthly needs first, safety second, growth last.
An agent/website offers "higher small savings rates" or "PPF at 9%"
Fraud — small savings rates are identical at every post office and bank, set only by the Ministry of Finance. No agent can improve them. Anything promising above the notified rates is either a scam or an unregulated product wearing a familiar name. Report to 1930.
Disclaimer: This is general information for awareness, not financial or tax advice. Interest rates are revised every quarter by the Government of India and may change; scheme rules (limits, premature closures, tax treatment) also change over time. Figures shown are illustrative calculations based on the stated rates; actual returns depend on deposit timing, future floating rates and your tax slab. Please confirm the latest rates and rules on the official India Post (indiapost.gov.in) and National Savings Institute (nsiindia.gov.in) websites, or at your post office/bank branch, before investing. EasyKaro is not affiliated with India Post, NSI or the Ministry of Finance.
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