Small Savings Interest Rates Remain Unchanged; Here’s How Much You Get for PPF, NSC, SCSS and other Deposits

The government hasn’t changed the interest rates for the small savings schemes. For the April-June quarter of FY 2026-27, the central government has maintained the same interest rates on small savings plans. This is the eighth quarter in a row without any changes.

The Finance Ministry announced in a notice that rates in effect from April 1, 2026, to June 30, 2026, will be the same as those in January-March 2026. This implies stability for cautious savers. For investors with a salary, it means planning clearly.

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Sukanya Samriddhi Yojana (SSY): 8.2%

Senior Citizen Savings Scheme (SCSS): 8.2%

National Savings Certificate (NSC): 7.7%

Kisan Vikas Patra (KVP): 7.5%

5 Year Post Office Time Deposit: 7.5%

Monthly Income Scheme (MIS): 7.4%

Public Provident Fund (PPF): 7.1%

3 Year Time Deposit: 7.1%

2 Year Time Deposit: 7.0%

1 Year Time Deposit: 6.9%

5 Year Recurring Deposit (RD): 6.7%

Post Office Savings Account: 4.0%

The Finance Ministry stated in its most recent quarterly assessment that the interest rates on well-liked programs such as the National Savings Certificate (NSC), Senior Citizen Savings Scheme (SCSS) and Public Provident Fund (PPF) will remain unchanged.

The Monthly Income Scheme will give 7.4%, while the National Savings Certificate will provide 7.7%. The interest rate for the Kisan Vikas Patra will be 7.5% and the maturity date will be 115 months.