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Today’s rates in India
The numbers that move your money, on one page. Market prices update live; official rates show the date they took effect.
Markets
Gold and silver are indicative: international price converted at today’s rate plus 15% import duty, before 3% GST. See gold, silver, crypto and all 25 currencies.
RBI policy rates
- Repo rate
- 5.50%Raised by 0.25 point on 7 October 2026
- Standing deposit facility
- 5.25%From 7 October 2026
- Marginal standing facility and bank rate
- 5.75%From 7 October 2026
- Policy stance
- Calibrated tighteningChanged from neutral, October 2026
Most floating-rate home loans are linked to the repo rate, so a change usually reaches your EMI or tenure at the next reset. Check the impact with the home loan EMI calculator.
Small savings schemes, October to December 2026
| Scheme | Rate | Term | Calculator |
|---|---|---|---|
| Sukanya Samriddhi Yojana | 8.2% | 21 years from opening | SSY |
| Senior Citizens Savings Scheme | 8.2% | 5 years | SCSS |
| National Savings Certificate | 7.7% | 5 years | NSC |
| Kisan Vikas Patra | 7.5% | Doubles in 115 months | KVP |
| Post Office Monthly Income Scheme | 7.4% | 5 years | MIS |
| Public Provident Fund | 7.1% | 15 years | PPF |
| 5-year recurring deposit | 6.7% | 5 years | RD |
| Post office savings account | 4.0% | None |
Unchanged for the tenth quarter in a row. Rates are reviewed every quarter; see the small savings guide.
Retirement and tax
- EPF interest, FY 2025-26
- 8.25%Ratified June 2026
- Tax-free income, new regime
- ₹12 lakh₹12.75 lakh for salaried, FY 2026-27
- Equity LTCG tax
- 12.5%Above ₹1.25 lakh a year
- Equity STCG tax
- 20%Held 12 months or less
- NPS lump sum, non-government
- Up to 80%Corpus above ₹12 lakh
- Tax-free gratuity, private sector
- ₹20 lakhLifetime limit
GST and duties
- Main GST slabs
- 5% and 18%Since 22 September 2025
- Luxury and sin goods
- 40%GST
- Gold and silver
- 3%GST on the metal
- Gold and silver import duty
- 15%From 13 May 2026
Official rates are checked against government and regulator notices; see our editorial policy. Spotted something out of date? Tell us.