Big news for investors in small savings schemes! Find out what returns you will earn on your savings in the next quarter..

The government kept the interest rates for small savings schemes like PPF and NSC unchanged on Wednesday. This marks the tenth consecutive quarter that rates have remained static. The Finance Ministry stated in a notification that the interest rates for various small savings schemes for the third quarter of the 2026-27 financial year (October 1, 2026, to December 30, 2026) will remain the same as those applicable for the second quarter (July 1, 2026, to September 30, 2026).

**What the interest rates will be**

According to the notification, deposits under the Sukanya Samriddhi Yojana will earn an interest rate of 8.2 percent.

The interest rate on three-year term deposits will remain at 7.1 percent during the third quarter.

Interest rates for the popular Public Provident Fund (PPF) and Post Office Savings Deposit schemes have been maintained at 7.1 percent and 4 percent, respectively.

The interest rate on the Kisan Vikas Patra will be 7.5 percent, with the investment maturing in 115 months.

The interest rate on the National Savings Certificate (NSC) will remain at 7.7 percent for the October-December quarter.

As in the current quarter, investors in the Monthly Income Scheme will earn 7.4 percent interest in the third quarter as well.

**What this decision means for investors**

With this, interest rates on small savings schemes—primarily operated by post offices and banks—have remained unchanged for the tenth consecutive quarter. The government last revised the interest rates for certain schemes during the fourth quarter of the 2023-24 financial year. The decision regarding quarterly rates is significant for savers because it determines the returns on new investments made over the next three months, whereas existing deposits continue to earn interest in accordance with the rules of the respective schemes. For savers, this decision means there will be no change in interest rates for the October-December quarter, regardless of whether they are investing in these schemes for the first time or continuing with existing investments.

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