At the start of the new year, millions of people were closely watching the interest rates on PPF, Sukanya Samriddhi Yojana, and other small savings schemes. I
nvestors wanted to know how much return they would get if they invested between January and March 2026. The government has now given clarity on this issue.
There has been no cut in interest rates, and all small savings schemes will continue to offer the same returns as before.
The government confirmed on Wednesday that interest rates on small savings schemes will remain unchanged from January 1 to March 31, 2026.
This means investors in PPF, Sukanya Samriddhi Scheme, NSC, and other post office schemes will keep earning interest at the existing rates.
Interest Rates on PPF and Post Office Savings
People investing in the Public Provident Fund (PPF) will continue to earn 7.1 percent interest, while Post Office savings accounts will keep offering 4 percent interest.
These schemes are low-risk and are widely preferred by ordinary households for safe savings.
Sukanya Samriddhi Scheme Continues to Offer High Returns
The Sukanya Samriddhi Scheme, which is meant for securing the future of daughters, has also seen no change.
Investors will continue to get an 8.2 percent interest rate, making it one of the highest-return small savings schemes available.
Status of NSC, KVP, and Other Schemes
The interest rate on National Savings Certificates (NSC) will remain at 7.7 percent. Kisan Vikas Patra (KVP) will continue to offer 7.5 percent interest, with investments doubling in 115 months.
The Post Office Monthly Income Scheme will also stay unchanged and offer a 7.4 percent return.
Rates Unchanged for the Seventh Consecutive Quarter
This is the seventh straight quarter in which interest rates on small savings schemes have not been changed.
The last revision was made in the final quarter of the financial year 2023–24. The government reviews these rates every three months before taking a decision.
PPF, Sukanya Samriddhi, and post office schemes are key saving options for common people. The decision to keep interest rates unchanged has brought relief to those looking for safe investments.
This announcement at the beginning of the new year is especially helpful for salaried individuals, senior citizens, and parents saving for their children’s future.
