Small Savings Schemes – Interest Rates Unchanged for January-March 2026 (7th Consecutive Quarter)

Objective: The Ministry of Finance announced on December 31, 2025 that interest rates on all small savings schemes will remain unchanged for the January–March 2026 quarter — the seventh consecutive quarter at these rates. Key Rates: • Public Provident Fund (PPF): 7.1% per annum • Sukanya Samriddhi Yojana (SSY): 8.2% per annum • Senior Citizen Savings Scheme (SCSS): 8.2% per annum • National Savings Certificate (NSC): 7.7% per annum • Kisan Vikas Patra (KVP): 7.5% (matures in 115 months) • Post Office Monthly Income Scheme (POMIS): 7.4% per annum • Post Office Savings Account: 4.0% per annum • 5-Year Post Office Time Deposit: 7.5% per annum • Post Office Recurring Deposit (5-year): 6.7% per annum Beneficiaries: All Indian residents eligible for respective schemes. Significance for RAS: Small savings rates are reviewed quarterly by the government and are important for Indian Economy syllabus, covering topics like financial inclusion, savings mobilization, and government borrowing strategy.

• → Ministry of Finance announced on December 31, 2025 that interest rates on all small savings schemes remain unchanged for January-March 2026 quarter — the 7th consecutive quarter at these rates.
• → Key rates: PPF at 7.1%, Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) at 8.2%, National Savings Certificate (NSC) at 7.7%.
• → Kisan Vikas Patra (KVP) at 7.5% (matures in 115 months), Post Office Monthly Income Scheme (POMIS) at 7.4%, Post Office Savings Account at 4.0%.
• → Small savings rates are reviewed quarterly by the government and are relevant for Indian Economy syllabus topics on financial inclusion, savings mobilization, and government borrowing strategy.