Big decision of the government, no change in the interest rates of small savings schemes; Know how much annual interest is being received on PPF, MIS, Sukanya Samriddhi?

Before the beginning of the new financial year 2026-27, the government has taken a big decision regarding common investors. The Central Government has not made any change in the interest rates of Small Savings Schemes. That means, from April 1, 2026 to June 30, 2026, the interest on these schemes will remain the same as before. For the eighth consecutive time, the government has kept the rates stable, which has provided a kind of stability and confidence to investors.

How much interest will be given on which schemes?

According to the notification issued by the government, the interest rates on different schemes are as follows:

• Sukanya Samriddhi Yojana: 8.2% per annum
• Public Provident Fund (PPF): 7.1% per annum
• National Savings Certificate (NSC): 7.7% per annum
• Kisan Vikas Patra (KVP): 7.5% (maturity in 115 months)
• Post Office Savings Account: 4% p.a.
• Monthly Income Scheme (MIS): 7.4% per annum
• 3 Year Time Deposit: 7.1% p.a.

Rates did not change for the 8th consecutive time

The government last changed the interest rates of some schemes in the fourth quarter of the financial year 2023-24. Since then, rates have remained stable for eight consecutive quarters. This decision has come at a time when there is volatility in the market.

What does it mean for investors?

No change in interest rates means that investors will continue to get fixed returns as before. This is good news for those who invest in schemes with safe and assured returns. These plans are considered reliable especially for retirement planning and children’s future.

Why are small savings schemes special?

Small savings schemes are backed by the government, so the risk in them is very low. These are not affected by market fluctuations and the investor gets fixed interest. This is the reason why these schemes are very popular among middle class and small investors.