Savings Schemes: No change in interest rates for small savings schemes; find out which scheme offers the most benefits...

At the beginning of the new year, millions of people were keeping a close eye on the interest rates of PPF, Sukanya Samriddhi Yojana, and other small savings schemes. People wanted to know how much return they would get on their investments in these schemes between January and March 2026.  The government has now made a clear decision on this. The good news is that there has been no reduction in interest rates, and all schemes will continue to offer the same returns as before.

Small Savings Schemes to Continue Offering Same Interest Rates
The government clarified on Wednesday that there will be no change in the interest rates of small savings schemes from January 1 to March 31, 2026. This means that those investing in PPF, Sukanya Samriddhi Yojana, NSC, and other post office schemes will continue to receive the same interest rates as before.

How much interest on PPF and Post Office Savings Account?
Those investing in the Public Provident Fund (PPF) will continue to receive an interest rate of 7.1 percent. The interest rate on Post Office Savings Accounts will remain at 4 percent. These schemes are considered low-risk and are quite popular among common families.

Sukanya Samriddhi Yojana still offers high returns
There has been no change in the Sukanya Samriddhi Yojana, designed for the future of daughters. Those investing in this scheme will continue to receive an interest rate of 8.2 percent. It remains one of the highest-interest-paying small savings schemes.

Status of NSC, KVP, and other schemes
The interest rate on National Savings Certificates (NSC) will remain at 7.7 percent. Investments in Kisan Vikas Patra (KVP) will yield 7.5 percent interest, and the money will double in 115 months. The Monthly Income Scheme will also continue to offer a return of 7.4 percent.

No change for the seventh consecutive quarter
This is the seventh consecutive quarter that there has been no change in the interest rates of small savings schemes. The last change in interest rates was made in the last quarter of the financial year 2023-24. The government reviews these rates every three months and then makes a decision.

PPF, Sukanya Samriddhi Yojana, and Post Office schemes are a major source of savings for common people. The fact that interest rates remain unchanged is a relief for those who seek safe investments. This news is especially relevant at the beginning of the new year for salaried individuals, senior citizens, and those investing for their children's future.