government schemes
The government has issued a notification regarding interest rates on small savings schemes for the quarter from January to March 2026. According to this notification, interest rates on all major small savings schemes run through post offices and banks have been maintained without any change for the seventh consecutive quarter. It is clear from this that investors will continue to get returns at the current interest rates only. Let us tell you in detail how much interest will be received in the government schemes Sukanya Samriddhi Yojana and Kisan Vikas Patra Yojana.
Those investing in Sukanya Samriddhi Yojana (SSY), which is considered to be the most popular among small savings schemes, will get an attractive interest of 8.2 percent. This scheme is still counted among the best options for securing the future of daughters. Similarly, 8.2 percent interest has also been maintained in the Senior Citizen Savings Scheme (SCSS), which remains a source of regular and secure income for retired people.
post office scheme
At the same time, the interest rate on National Savings Certificate (NSC) has been fixed at 7.7 percent for the January-March quarter. NSC is very popular among investors for long term safe investment. Those investing in Kisan Vikas Patra (KVP) will get 7.5 percent interest and the amount invested in it will double in approximately 115 months. The government has maintained the interest rate on Public Provident Fund (PPF) at 7.1 percent only. PPF continues to be the preferred scheme for those looking for long-term tax free investments. Similarly, investors will get a return of 7.4 percent in Post Office Monthly Income Scheme (MIS), which is useful for those seeking regular monthly income.
Apart from this, 6.7 percent interest will be available on Recurring Deposit (RD) and 4 percent interest on Post Office Savings Account. Under National Savings Time Deposit, interest has been fixed at 6.9 percent on deposits of one year, 7.0 percent on deposits of two years, 7.1 percent on deposits of three years and 7.5 percent on deposits of five years. Overall, the government has not made any change in interest rates, giving a message of stability to investors. For those who want safe and guaranteed returns, these small savings schemes will remain a reliable option in the current quarter as well.
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