If you were hoping for a bump in returns from your favourite small savings schemes, there’s no change this time. The government has decided to keep interest rates unchanged for the April–June 2026 quarter, continuing the current trend.
In its latest quarterly review, the Finance Ministry said that interest rates on popular schemes like the Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS) and National Savings Certificate (NSC) will remain the same.
According to the official notification, the rates for the first quarter of FY 2026–27, starting April 1, 2026, will be the same as those applicable in the previous quarter.
The Sukanya Samriddhi Scheme will continue to offer 8.2% interest. The PPF and three-year term deposits will earn 7.1%, while post office savings deposits will fetch 4%.
The National Savings Certificate will provide 7.7%, and the Monthly Income Scheme will offer 7.4%. Kisan Vikas Patra will carry an interest rate of 7.5%, with maturity set at 115 months.
With this move, interest rates on small savings schemes have now remained unchanged for eight consecutive quarters. The last revision was made in the fourth quarter of the financial year 2023–24.
For investors, this means stability in returns, even as expectations of a rate change continue to build with every quarterly review.