Small Saving Scheme Interest Rate
Just before the New Year, crores of middle class families are eyeing the small savings schemes of the post office., The reason is simple, 31 The government is going to review the interest rates of these schemes on December 2025 and in the next 24 hours it will become clear whether the interest rates will increase, decrease or remain the same from January.,
Post Office Public Provident Fund (PPF) National Savings Certificate (NSC) Senior Citizen Savings Scheme (SCSS) And schemes like Sukanya Samriddhi Yojana are considered to be the most reliable investment for middle class and retired people., At present SCSS And interest up to 8.2% is available on Sukanya Yojana, whereas ppf has a return of 7.1%,
bank FD Rates decreased, pressure on small savings increased
2025 In rbi After the repo rate cut by Govt, most of the banks have reduced the interest rates on fixed deposits., Inflation is also under control, hence there is pressure to come down on interest rates., In such a situation, the question arises whether the government can also reduce the rates of small savings schemes?
G-Sec What are the yields indicating?
In determining the interest rates of small savings schemes, government bonds i.e. G-Sec Yield is considered an important parameter, As a rule, the interest on these schemes should be slightly higher than the average yield of government bonds of similar tenure.,
According to recent data, the average yield of 10-year government bonds has been around 6.5%., If seen from this formula ppf The interest of schemes like this is less than the current rate., Technically, this definitely indicates a rate cut, but it is not necessary for the government to accept it.,
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Why doesn’t the government make cuts quickly?
Past experiences show that the government does not take decisions based on formulas alone., Crores of senior citizens, pensioners and middle class families depend on the interest received from these schemes for their daily needs., If rates are reduced, their income is directly affected, This is why governments often give priority to stability., This has happened many times in the past too when the formula was pointing towards reducing the rates, but the government kept the interest rates as they were.,
Will we get the gift of relief this time also?
The current economic situation is mixed, There is slowdown in some sectors, but the country’s overall economic growth still remains strong., In such a situation, the biggest question before the government is how to protect domestic savings., Most indications indicate that this time too there is little possibility of a cut in the interest rates of small savings schemes., The government wants that people’s trust should remain on these safe schemes and they should not rush towards risky investments.,