Small Savings Schemes: Interest Rates Remain Unchanged for Q2 FY26


Small Savings Schemes: Interest Rates Remain Unchanged for Q2 FY26




Interest Rates for PPF, SCSS, SSY, and Other Schemes Stay the Same for July–September Quarter

The Ministry of Finance has announced that the interest rates for small savings schemes will remain unchanged for the second quarter (July to September) of FY 2025-26. This includes popular schemes such as the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizens’ Saving Scheme (SCSS), and National Savings Certificate (NSC).

For investors, this means continued stable returns on government-backed savings instruments, regardless of fluctuations in market conditions. The government has once again chosen to maintain the status quo, supporting predictable income streams for conservative savers.

Key Interest Rates (Q2 FY26):

  • PPF: 7.1%
  • SSY: 8.2%
  • SCSS: 8.2%
  • NSC: 7.7%
  • Kisan Vikas Patra (KVP): 7.5% (maturity in 115 months)
  • Post Office Time Deposits:
    • 1 Year: 6.9%
    • 2 Years: 7.0%
    • 3 Years: 7.1%
    • 5 Years: 7.5%
  • Post Office Monthly Income Scheme: 7.4%
  • Recurring Deposit (5 Years): 6.7%
  • Post Office Savings Account: 4%

These schemes, mainly offered through post offices and banks, are critical for millions of Indians seeking guaranteed and secure investment options. Interest is compounded monthly, quarterly, or annually, depending on the scheme selected.

The interest rate formula is aligned with recommendations from the Shyamala Gopinath Committee and is linked to the performance of government securities. However, for the sixth consecutive quarter, the government has kept the rates stable.

This decision offers much-needed consistency and reliability to small investors, especially in an uncertain financial climate.

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