The Indian government has kept interest rates for small savings schemes unchanged for the July-September 2026 period. Sukanya Samriddhi Yojana and the Senior Citizen Savings Scheme offer an annual return of 8.2%, while PPF offers 7.1% and NSC offers 7.7%. Rates have remained stable for nine consecutive quarters, offering consistent returns for risk-averse investors.
Public Provident Fund (PPF) - A trusted partner for 15 years
Sukanya Samriddhi Yojana (SSY) - Support for the future of the daughter
Senior Citizen Savings Scheme (SCSS) - Financial Protection for the Elderly
National Savings Certificate (NSC) - a reliable option for 5 years
Kisan Vikas Patra (KVP) - village savings, village development
Monthly Income Scheme (MIS) - Guaranteed income every month
Post Office Savings Account - the foundation of every household's savings
1 year post office FD. Short time, good return
3 years post office FD - the best option for the medium term
5 years of post office FD - long-term security
5-year recurring deposit (RD) - Discipline will create capital
The graph of interest rates - the stability of 9 quarters