NEW DELHI, Dec 31: The government has kept interest rates unchanged for all small savings schemes for the January–March quarter of the current fiscal, marking the seventh consecutive quarter without any revision, according to a notification issued by the Finance Ministry on Wednesday.
“The rates of interest on various Small Savings Schemes for the fourth quarter of FY 2025–26, starting from January 1, 2026, and ending on March 31, 2026, shall remain unchanged from those notified for the third quarter,” the ministry said.
As per the notification, deposits under the Sukanya Samriddhi Scheme will continue to earn an interest rate of 8.2 per cent, while the rate on a three-year term deposit has been retained at 7.1 per cent.
The interest rate on the Public Provident Fund (PPF) will remain at 7.1 per cent, and post office savings deposit accounts will continue to earn 4 per cent during the quarter.
Investments under the National Savings Certificate (NSC) will fetch an interest rate of 7.7 per cent, while the Kisan Vikas Patra will carry a rate of 7.5 per cent, with maturity set at 115 months, the notification said.
The Monthly Income Scheme will also continue to offer returns of 7.4 per cent, unchanged from the previous quarter.
Small savings schemes are largely operated through post offices and select banks and are reviewed every quarter by the government. The last revision in rates was made in select schemes during the fourth quarter of 2023–24.
The latest decision signals continued stability in returns for millions of small savers who rely on these schemes for secure, long-term investments.
