लघु बचत योजनाएँ – जनवरी-मार्च 2026 के लिए ब्याज दरें अपरिवर्तित (लगातार 7वीं तिमाही)

उद्देश्य: वित्त मंत्रालय ने 31 दिसंबर 2025 को घोषणा की कि सभी लघु बचत योजनाओं पर ब्याज दरें जनवरी-मार्च 2026 तिमाही के लिए अपरिवर्तित रहेंगी — इन दरों पर लगातार सातवीं तिमाही। प्रमुख दरें: • लोक भविष्य निधि (PPF): 7.1% प्रतिवर्ष • सुकन्या समृद्धि योजना (SSY): 8.2% प्रतिवर्ष • वरिष्ठ नागरिक बचत योजना (SCSS): 8.2% प्रतिवर्ष • राष्ट्रीय बचत पत्र (NSC): 7.7% प्रतिवर्ष • किसान विकास पत्र (KVP): 7.5% (115 माह में परिपक्वता) • डाकघर मासिक आय योजना (POMIS): 7.4% प्रतिवर्ष • डाकघर बचत खाता: 4.0% प्रतिवर्ष • 5-वर्षीय डाकघर सावधि जमा: 7.5% प्रतिवर्ष • डाकघर आवर्ती जमा (5-वर्ष): 6.7% प्रतिवर्ष लाभार्थी: संबंधित योजनाओं के लिए पात्र सभी भारतीय निवासी। RAS महत्व: लघु बचत दरों की सरकार द्वारा तिमाही समीक्षा होती है और ये भारतीय अर्थव्यवस्था पाठ्यक्रम — वित्तीय समावेशन, बचत संग्रहण, सरकारी उधार रणनीति — के लिए महत्वपूर्ण हैं।

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.