No PPF or NSC, this post office scheme makes the highest earning, read full report

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There has been no change in the interest rates of many small savings schemes including Sukanya Samriddhi Yojana.

The small saving schemes of the post office usually give good returns on reliable and consistently long -to -long investment. Because of which these schemes are the most popular among traditional and orthodox investors. If you want to invest in small savings schemes, it is important to know what are the different interest rates of each scheme to find out which scheme is giving the highest interest rate? The special thing is that PPF and NSC are not in those small saving schemes that give the most returns. Let us also tell you…

Which scheme gives the most returns?

According to the fresh interest rates issued by the government, Sukanya Samriddhi Yojana gives the highest 8.2 per cent returns in all small saving schemes. The government has recently announced that there will be no change in the interest rates of many small savings schemes including Public Provident Fund (PPF), National Savings Certificate (NSC) and Sukanya Samriddhi Yojana for the third quarter of FY 2025-26. The Finance Ministry announced this on Tuesday, 30 September 2025.

How much PPF and NSC give returns?

According to the government notification, the interest rate on the PPF account for October to December quarter of FY 2025-25 is 7.1 percent. The interest rate of the National Saving Certificate i.e. NSC will remain at 7.7% during the October to December quarter of FY 2025-26.

Special things about Sukanya Samriddhi Yojana

  1. The minimum annual deposit amount is Rs 250 and a maximum of Rs 1.5 lakh per financial year.
  2. These accounts can be opened in post office and authorized public and private banks, such as State Bank of India (SBI), HDFC Bank, ICICI Bank, etc.
  3. The account holder has a permission to withdraw for higher education expenses.
  4. If the girl is married after the age of 18, then it is allowed to close the account ahead of time.
  5. These accounts can be transferred between post offices and banks across India.
  6. The maturity period of this scheme is 21 years from the date of opening the account.

Does Sukanya give prosperity tax benefit?

Sukanya Samriddhi Yojana falls in the tax free category. Therefore, all the deposits in this scheme are deducted under Section 80C of the Income Tax Act. Tax free, your investment, earned interest and income on withdrawal, all are tax free. Parents or legal parents of a girl under 10 years of age can open an account on her behalf.

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