Odisha Small Savings Incentive Scheme 2026: AU Series, Coupon Rules, Prize List and How to Claim
If you save money in a post office or bank in Odisha, the state government gives you a free coupon for a prize draw. That is the whole idea behind the Odisha Small Savings Incentive Scheme. You are not paying anything extra. You simply put at least Rs. 2,000 into an eligible government savings scheme, collect your coupon, and wait for the draw.
The first prize is Rs. 5 lakh. In the latest series shown on the official portal, there are 2,771 prizes in total.
This guide covers the current AU series and the older series people still search for. You will also find who can take part, the full prize list, how claims work, and the small savings interest rates that apply right now. Everything below is checked against three sources: the Odisha small savings portal, the Odisha Finance Department rules, and Department of Posts orders.
Quick Facts (AU Series)
| Detail | Information |
| Scheme name | Odisha Small Savings Incentive Scheme, “AU” series |
| Run by | Finance Department, Government of Odisha (Directorate of Small Savings) |
| Deposit period | 1 January 2023 to 31 December 2023 |
| Minimum deposit for one coupon | Rs. 2,000 |
| Coupon cost | Free |
| Last date to get coupon | 30 June 2024 (online mode: 31 May 2024) |
| Draw date | 13 September 2024 |
| Total prizes | 2,771 in 8 categories |
| Total prize money | Rs. 1.5 crore |
| Top prize | Rs. 5,00,000 |
| Official portal | assa.odisha.gov.in |
A note on timing. When this page was last checked (October 2026), the official homepage still showed the AU series as its latest launch notice. We did not find a newer series announced there. If a new series appears, the portal will show it first. So check there before you rely on any date in this article.
What Is the Odisha Small Savings Incentive Scheme?
It is a state government incentive draw linked to real savings. The Odisha Finance Department runs it under the Odisha Small Savings (Incentive Scheme) Rules, 2000, and those rules have been amended several times since.
The government has stated its aim clearly in launch announcements. It wants to keep people away from private finance companies that promise very high returns and then disappear. Government small savings schemes are safe. The draw gives people one small extra reason to use them.
Under the rules, the government guarantees every prize. You get a free coupon once you put the required amount in a listed small savings scheme.
Subhadra-yojanain Many readers land here while hunting for state benefits in general. If you follow other Sarkari Yojana Odisha updates on this site, note this: it is one of the few schemes where you win something just for saving.
Which Small Savings Schemes Qualify?
For the AU series, deposits in these schemes are eligible:
- NSC VIII Issue (National Savings Certificate)
- KVP (Kisan Vikas Patra)
- SSA (Sukanya Samriddhi Account)
- PPF (Public Provident Fund)
- SCSS (Senior Citizens Savings Scheme)
- Post Office Monthly Income Scheme (POMIS)
- Post Office Recurring Deposit (5 year RD)
- Post Office Time Deposit (5 year TD)
Two conditions matter more than anything else.
The deposit must be made at a post office or bank inside Odisha. A deposit made in another state does not count. If you deposit in SCSS through a bank, it must be the Government of India Small Savings version of SCSS.
An amendment in 2004 added the senior citizen scheme to the incentive scheme. So SCSS investors have been eligible for a long time.
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How Many Coupons Will You Get?
The rule is one coupon number for every Rs. 2,000 deposited, as stated on the official portal. So a larger deposit can earn you more than one coupon. If your deposit is not an exact multiple of 2,000, ask the issuing office how they round it. The portal does not spell that out.
One more rule from the official notification is worth knowing. A single coupon can win only one prize in a draw. If one coupon number is drawn for more than one prize, the holder gets the highest of them. The other prize is then drawn again.
Prize List (AU Series)
| Prize | Number of prizes | Amount per prize | Total |
| 1st | 1 | Rs. 5,00,000 | Rs. 5,00,000 |
| 2nd | 2 | Rs. 3,00,000 | Rs. 6,00,000 |
| 3rd | 3 | Rs. 2,00,000 | Rs. 6,00,000 |
| 4th | 4 | Rs. 1,00,000 | Rs. 4,00,000 |
| 5th | 5 | Rs. 50,000 | Rs. 2,50,000 |
| 6th | 6 | Rs. 25,000 | Rs. 1,50,000 |
| 7th | 250 | Rs. 10,000 | Rs. 25,00,000 |
| 8th | 2,500 | Rs. 4,000 | Rs. 1,00,00,000 |
| Total | 2,771 | Rs. 1,50,00,000 |
Compare this with the older AQ, AR and AS series, which had 2,428 prizes in 7 categories worth Rs. 74 lakh. The AU series roughly doubled the prize pool and added an eighth category. If you read an article that still quotes 2,428 prizes for the current scheme, it is using outdated numbers.
Earlier Series: AQ, AR, AS and AU at a Glance
People often search by series letter, so here is the short history.
| Series | Deposit year | Draw date | Prizes |
| AQ | 2019 | 26 April 2020 (as announced) | 2,428 in 7 categories |
| AR | 2020 | 18 July 2021 (as announced) | 2,428 in 7 categories |
| AS | 2021 | 7 July 2022 | 2,428 in 7 categories |
| AU | 2023 | 13 September 2024 | 2,771 in 8 categories |
We could not confirm details for a series between AS and AU from official pages, so it is left out rather than guessed.
Results for earlier draws have also been posted by district administrations. For example, the Cuttack district website carried a notice for the AQ series result.
How to Get Your Coupon
For the AU series, coupons were available in two ways.
Offline. Visit the office of the Collector, Sub-Collector or Block Development Officer (BDO). Carry your savings certificate or passbook and an ID. The officer verifies your name, address, scheme name, deposit date and amount, then issues the coupon.
Online. The official portal lets three kinds of users generate coupons: an individual depositor, an authorised agent, and small savings officers. An individual can enter the deposit details directly on the portal.
If you spot a mistake in your coupon, report it to the issuing officer within 7 days of the issue date. The official notice says later requests will not be entertained.
How to Check the Result
Results are published on the official portal at assa.odisha.gov.in, where the homepage links to the result of each series. Under the state rules, the winning numbers should also appear in the Odisha Gazette and in local newspapers.
Always compare your full coupon number carefully. Larger prizes are drawn on the full number. For smaller prizes, the draw can use the last few digits within a block of coupons. So check the result sheet’s wording for your prize category.
How to Claim a Prize
The claim rules come from the Odisha Small Savings (Incentive Scheme) Rules and their amendments, which you can read in full on the official notifications page.
Fill the claim bill. It asks for your name and address, father’s or husband’s name, series, draw date, prize category, amount, winning coupon number, and details of the savings instrument you used.
Add bank details and PAN. Prizes are credited to a savings bank account, so the form carries a bank account and PAN field.
Submit within 90 days. The rules say claims must reach the authority within 90 days from the draw date, or within any period the government fixes. Late claims are not entertained and the amount lapses.
Show the original documents. You need the original winning coupon and a copy of your small savings certificate or passbook. The original instrument is checked at verification.
Large prizes go one step further. For prizes of Rs. 50,000 and above, the amended rules route the claim through the District Small Savings Officer to the Directorate of Small Savings at the state headquarters, and payment is made by bank draft or credit to your account.
The department deducts income tax from the prize wherever applicable, at the time of payment. A torn or mutilated coupon that cannot be read is not valid for any prize.
Please treat the steps above as the framework, not the final word. The amendment text published on the portal is marked as a draft, and the government can change the process. Before you travel to any office, confirm the current procedure with your District Small Savings Officer.
Small Savings Interest Rates Right Now
The prize is a bonus. Your real return comes from the scheme you choose, so rates deserve a look. The Government of India reviews these every quarter. The Ministry of Finance notified the rates for July to September 2026 on 30 June 2026. The Department of Posts then circulated them to post offices. For October to December 2026, reports say the rates stayed unchanged.
| Scheme | Interest rate | Note |
| Senior Citizens Savings Scheme (SCSS) | 8.2% | Paid quarterly |
| Sukanya Samriddhi Account | 8.2% | Compounded annually |
| National Savings Certificate (NSC) | 7.7% | Compounded annually |
| Kisan Vikas Patra (KVP) | 7.5% | Matures in 115 months |
| Post Office Monthly Income Scheme | 7.4% | Monthly payout |
| Public Provident Fund (PPF) | 7.1% | Compounded annually |
| Post Office Savings Account | 4.0% |
For SCSS, KVP, NSC and time deposits, the rate that counts is the one active when you open the account. You can get the rates for 1, 2 and 5 year time deposits and the recurring deposit from your post office or the India Post website.
SCSS Interest Rates and the Senior Citizen Scheme Interest Rate
Senior citizens ask about this most often, and the answer is good news. SCSS pays 8.2%, the highest in the table, and it qualifies for the Odisha coupon. That means a retired person in Odisha who parks money in SCSS earns the top government rate. They also get coupons for the draw.
Who Should Use This Scheme?
It suits three kinds of people.
It suits salaried families in Odisha who already use PPF or NSC for tax planning. They get something extra from the same deposit. It suits parents opening Sukanya Samriddhi accounts, since SSA is on the eligible list. And it suits senior citizens moving retirement money into SCSS.
It does not suit anyone who deposits outside Odisha, and it should never be the only reason to invest. A coupon is a chance, not a return. The thing you are actually buying is the safety and the interest of the underlying scheme.
Beware of Fake Calls and Messages
Whenever a prize scheme is in the news, scammers follow. Keep three things in mind.
- The coupon is free. No official asks for a fee to issue it.
- Nobody from the government will call you to say you have won and ask for money, an OTP or bank details.
- Check results only on the official portal, district notice boards or the Gazette.
If you get a suspicious message, ignore it and confirm with the District Small Savings Officer.
Frequently Asked Questions
What is the minimum deposit to get a coupon?
You need Rs. 2,000 in an eligible small savings scheme, deposited at a post office or bank in Odisha.
Is the coupon free?
Yes. The Government of Odisha issues it free of cost.
Can I use a deposit made in another state?
No. The deposit has to be made within Odisha.
Which scheme is the latest series?
The official portal’s homepage currently shows the AU series. It covers deposits made in calendar year 2023, and its draw was held on 13 September 2024.
What is the first prize?
The first prize is Rs. 5,00,000.
How long do I have to claim a prize?
You must claim within 90 days of the draw date, or within the period the government sets for that draw.
Is the prize taxable?
The department deducts income tax wherever applicable when it pays the prize, as per the amended rules.
Is SCSS eligible?
Yes. SCSS has been part of the incentive scheme since 2004, as long as the bank deposit is under the Government of India small savings scheme.
Where is the official website?
The official website is assa.odisha.gov.in. It is run by the Odisha Finance Department’s small savings directorate.
