The government’s major decision, ‘this’ step regarding interest rates on small savings schemes including Sukanya Samriddhi and PPF

Small Savings Rates: The government has taken an important decision regarding small savings schemes. This is important news for investors in small savings schemes like Sukanya Samriddhi and Public Provident Fund. Interest rates have been kept unchanged for the ninth consecutive quarter. Consequently, interest rates on these schemes will remain the same as last quarter.

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The government has kept interest rates on small savings schemes unchanged for the September quarter (July-September 2026). This means, these schemes will continue to pay interest rates as before. This is good news for those investing in such schemes. On Tuesday, the government kept interest rates unchanged on various small savings schemes including Sukanya Samriddhi, PPF and NSC. This is the ninth consecutive quarter in which rates have remained unchanged.

The government issued a notification

“For the second quarter of the financial year 2026-27, which starts from 1 July 2026 and ends on 30 September 2026, the interest rates on small savings schemes will remain the same as the rates fixed for the first quarter of the financial year 2026-27 (1 April 2026 to 30 June 2026),” the finance ministry said in a notification.

So much interest on Sukanya Samriddhi and PPF

According to the notification, the interest rate on deposits under Sukanya Samriddhi Yojana will continue to be 8.2 percent, while the interest rate on three-year term deposits will remain at 7.1 percent. Interest rates on Public Provident Fund (PPF) and Post Office Savings Deposits have been kept unchanged at 7.1% and 4% respectively. These are the interest rates on NSC and Kisan Vikas Patra. Kisan Vikas Patra will earn 7.5% interest and the investment in these deposits will mature in 115 months. National Savings Certificates (NSCs) will continue to fetch 7.7% interest for the April-June quarter. Monthly income scheme investors will get 7.4% interest during the same period.

With this decision, interest rates on small savings schemes have remained unchanged for the ninth consecutive quarter. These schemes are mainly run through post offices and banks. The government last revised the rates of select schemes in the fourth quarter of 2023-24.

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