Small Savings Schemes: Decision on interest rates for PPF, Sukanya, and KVP; find out the returns expected by December..

The Central Government has kept the interest rates for small savings schemes unchanged for the third quarter of the 2026-27 financial year (October to December 2026). A decision regarding the interest rates of approximately six small savings schemes—such as the PPF, Sukanya Samriddhi Yojana, and NSC—was taken on Wednesday. It was announced that there would be no changes to these schemes for the October-December quarter.

The Department of Economic Affairs under the Ministry of Finance stated that the interest rates for small savings schemes would remain unaltered for the third quarter of the current financial year (October to December). The rates for all these schemes will be maintained at their existing levels. Interest rates for small savings schemes are reviewed four times a year, with rates determined for each quarter. Government bond yields serve as the basis for setting these interest rates.

**Current Interest Rates on Schemes**

The interest rate on the PPF (Public Provident Fund) is 7.1%.
The annual interest rate on the Sukanya Samriddhi Yojana is 8.2%.
The Senior Citizen Savings Scheme offers an annual interest rate of 8.2%.
The NSC (National Savings Certificate) offers an interest rate of 7.7%.
The annual interest rate on the Post Office Monthly Income Scheme is 7.4%.
The annual interest rate on the KVP (Kisan Vikas Patra) is 7.5%.
The annual interest rate on Post Office Recurring Deposits is 6.7%.

**Interest Rates Unchanged for Two and a Half Years**

The government last revised the interest rates for small savings schemes in the January-March 2024 quarter. At that time, the interest rate on the 3-year Post Office Fixed Deposit (FD) was raised from 7% to 7.10%. Additionally, the interest rate for the Sukanya Samriddhi Yojana was increased from 8% to 8.20%. Since then, there have been no changes to the interest rates on small savings schemes, and investors have been receiving the same rate of interest for nearly two and a half years. Even today, there are millions of investors in the country who invest in small savings schemes in pursuit of stable returns. These schemes come with a government guarantee, ensuring there is no risk involved and that returns are guaranteed.

Disclaimer: This content has been sourced and edited from News18 Hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.