The government on Wednesday kept interest rates unchanged on various small savings schemes, including Public Provident Fund (PPF), National Savings Certificate (NSC) and Sukanya Samriddhi Yojana, for the seventh consecutive quarter starting January 1, 2026, PTI reported.In a notification, the finance ministry said the interest rates for small savings schemes for the fourth quarter of FY 2025-26, from January 1 to March 31, 2026, will remain the same as those notified for the third quarter of the fiscal.“The rates of interest on various Small Savings Schemes for the fourth quarter of FY 2025-26, starting from January 1, 2026, and ending on March 31, 2026, shall remain unchanged from those notified for the third quarter (September 1, 2025 to December 31, 2025) of FY 2025-26,” the ministry said.As per the notification, deposits under the Sukanya Samriddhi Scheme will continue to earn interest at 8.2%, while the rate on three-year term deposits remains unchanged at 7.1%.Interest rates on popular savings instruments such as PPF and post office savings deposits have also been retained at 7.1% and 4%, respectively, for the January–March quarter.The interest rate on Kisan Vikas Patra will stay at 7.5%, with investments maturing in 115 months, while the National Savings Certificate will continue to offer returns of 7.7%.Like the previous quarter, the monthly income scheme will fetch an interest rate of 7.4% during the fourth quarter of the current financial year.With this decision, interest rates on small savings schemes — largely operated through post offices and select banks — have now remained unchanged for seven quarters in a row. The last revision in rates was undertaken in the fourth quarter of FY 2023-24.The government reviews and notifies interest rates on small savings schemes every quarter, PTI reported.
Latest post office small savings interest rates
