Current Interest Rates
Stay updated with the latest interest rates for PPF, EPF, Fixed Deposits, and other investment instruments in India.
Public Provident Fund (PPF)
15-year tax-free investment with EEE benefits
Employee Provident Fund (EPF)
Retirement savings for salaried employees
National Savings Certificate (NSC)
5-year tax-saving fixed income instrument
Sovereign Gold Bonds (SGB)
Government issued gold investment bonds
Fixed Deposit (SBI)
Safe investment with guaranteed returns
Rate Comparison
| Instrument | Current Rate | Lock-in Period | Tax Status | Risk Level |
|---|---|---|---|---|
| PPF | 7.1% | 15 years | Tax-free | Very Low |
| EPF | 8.25% | Till retirement | Tax-free | Very Low |
| NSC | 6.8% | 5 years | Taxable | Very Low |
| SGB | 2.5%* | 8 years | Tax-free** | Medium |
| Bank FD | 7% | 1-10 years | Taxable | Very Low |
* SGB rate is additional to gold price appreciation
** Capital gains tax-free if held till maturity for individuals
📊 Understanding Interest Rate Changes
Interest rates are reviewed periodically by respective authorities. PPF and NSC rates are typically reviewed quarterly by the Government of India. EPF rates are decided annually by the EPFO. Bank FD rates change based on monetary policy and market conditions.
Plan Your Investments
Use our calculators to compare returns and plan your investments based on current interest rates and your financial goals.