The Government of India recently made an important announcement concerning Small Savings Schemes: the Finance Ministry issued a clarification indicating that interest rates for all major schemes (PPF, Sukanya Samriddhi Yojana, and NSC) will not change. The seventh quarter in a row that this has happened. These rates are applicable from 01 January 2026 until 31 March 2026.

In their press release, the Finance Ministry stated: “The rates applicable for Q4 FY 2025- 26 will remain unchanged from Q3 FY 2025-26 (September-December 2025). We review these rates quarterly and therefore, at this juncture, investors will not have to deal with any changes.”

With respect to SSY: Sukanya Samriddhi Yojana has an interest rate of 8.2% — considered the most attractive among small savings programmes; the interest rate for a 3-year fixed deposit is 7.1%.

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PPF, NSC and Post Office Scheme

Investors will get 7.1 per cent interest on Public Provident Fund (PPF) as before. The interest rate on Post Office Savings Deposit Scheme has been kept stable at 4 per cent. Investors in National Savings Certificate (NSC) will get 7.7 per cent interest for the January-March quarter.

Kisan Vikas Patra and Monthly Income Scheme

The interest rate on Kisan Vikas Patra (KVP) will remain at 7.5 per cent and will mature in 115 months. Investors in Monthly Income Scheme (MIS) will also get 7.4 per cent return for the fourth quarter of the current financial year.

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What does this decision mean for investors?

The unchanged interest rate has brought relief to investors, especially those who prefer to invest in schemes that offer safe and stable returns. The decision is being seen as a sign of confidence, especially for the middle class and those planning for retirement.