New Delhi. The central government has given big relief to those investing in small savings schemes. The Finance Ministry has not made any change in the interest rates of these schemes for the quarter from October to December 2026. That means investors will continue to get interest at the previous quarter's rates only.
PPF and Sukanya scheme rates stable
After the government's decision, interest on PPF will be 7.1%, while interest on Sukanya Samriddhi Yojana will be 8.2%. The rate of Senior Citizens Savings Scheme (SCSS) has also been kept at 8.2%. Whereas 7.7% interest on National Savings Certificate (NSC) will continue.
How much interest on remaining schemes?
7.5% interest will be available on Kisan Vikas Patra (KVP), 7.4% interest on Post Office Monthly Income Scheme (POMIS) and 7.5% interest on 5 year Post Office Fixed Deposit. The interest rate on 5 year post office RD will remain at 6.7%.
Review takes place every three months
The government reviews the interest rates of small savings schemes every quarter. Many economic conditions, including the yield of government bonds, are taken into account in determining the rates. Although the interest rate does not change automatically even when there are changes in the market, the final decision is taken by the government.
What is the benefit to investors?
With rates remaining stable, existing investors will not face any losses in this quarter. Small savings schemes will continue to be important, especially for people looking for safe and assured returns.