Government has retained the interest rates for all small savings schemes for the January–March 2026 quarter, offering stability for millions of retail investors. According to the Finance Ministry’s notification, the rates will remain the same as the previous quarter (October–December 2025).
The Public Provident Fund (PPF) continues to offer 7.1%, while the National Savings Certificate (NSC) maintains its 7.7% return. The Sukanya Samriddhi Yojana (for girl child savings) offers 8.2%, and the Senior Citizens Savings Scheme provides the highest return at 8.2%, giving retirees secure income options.
Additionally, the 1-year, 2-year, and 3-year Time Deposits earn 6.9%, 7%, and 7.1%, respectively. The 5-year Time Deposit and Monthly Income Account yield 7.5% and 7.4%. Meanwhile, the popular Kisan Vikas Patra (KVP) continues with 7.5%, maturing in 115 months.
Experts note that keeping rates unchanged ensures steady returns for small investors during fluctuating market conditions. Many believe this move also aligns with the Reserve Bank of India’s cautious monetary stance ahead of key economic reviews.
With inflation under control and interest rates stabilising, small savings schemes remain a safe investment option for risk-averse investors seeking guaranteed returns and government-backed security.
