📋 Small Savings Schemes Interest Rates
Q4 FY 2025-26 (01 January 2026 - 31 March 2026)
Official Notification: Department of Posts & Ministry of Finance, Government of India
✓ Official Announcement
The Government of India has announced that all interest rates for Small Savings Schemes remain unchanged for Q4 FY 2025-26 (01 January 2026 - 31 March 2026). This marks the 7th consecutive quarter without rate changes. Last rate revision was in Q4 FY 2023-24.
Current Interest Rates - Q4 FY 2025-26
📊 Complete Interest Rate Table
| Scheme Name | Interest Rate (% p.a.) | Tenure/Features |
|---|---|---|
| Sukanya Samriddhi Yojana (SSY) | 8.20% | For girl child; Tax-free interest & maturity; Section 80C benefit |
| Senior Citizen Savings Scheme (SCSS) | 8.20% | Age 60+; Quarterly payout; Section 80C benefit |
| National Savings Certificate (NSC) | 7.70% | 5-year lock-in; Taxable interest; Section 80C benefit |
| Kisan Vikas Patra (KVP) | 7.50% | Matures in 115 months (~9.6 years); Investment doubles |
| Public Provident Fund (PPF) | 7.10% | 15-year maturity; Tax-free; Section 80C benefit |
| Post Office Term Deposit - 5 Years | 7.50% | Fixed term deposit; Taxable interest |
| Monthly Income Scheme (MIS) | 7.40% | Monthly income payout; Taxable |
| Post Office Term Deposit - 3 Years | 7.10% | Fixed term deposit; Taxable interest |
| Post Office Term Deposit - 2 Years | 7.00% | Fixed term deposit; Taxable interest |
| Post Office Recurring Deposit (RD) - 5 Years | 6.70% | Monthly recurring deposit; Taxable |
| Post Office Term Deposit - 1 Year | 6.90% | Fixed term deposit; Taxable interest |
| Post Office Savings Account | 4.00% | Liquid savings; Flexible withdrawal |
Highest Yield Schemes
Sukanya Samriddhi Yojana (SSY)
8.20% p.a. with tax-free interest
SCSS
8.20% p.a. with quarterly payouts
National Savings Certificate
7.70% p.a. with 5-year lock-in
PPF
7.10% p.a., tax-free + Section 80C
Official Notification Details
Department of Posts - SB Order
Order Number: SB Order No. 17/2025
Issued From: Dak Bhawan, New Delhi - 110001
Date of Issue: 31 December 2025
Issued By: Assistant Director (SB-II)
Ministry of Finance - Office Memorandum
Reference: Memorandum No. 11412019-NS
Ministry: Department of Economic Affairs (Budget Division)
Issue Date: 31 December 2025
Issued By: Deputy Secretary (Budget), Kartavya Bhawan, New Delhi
Action Items for Post Offices
As per the official notification, all Post Offices have been instructed to:
- Circulate this notification to all concerned staff
- Display the notification on public notice boards
- Inform customers about unchanged rates for Q4 FY 2025-26
- Continue operations with rates applicable from 01 January 2026
Rate Stability Information
Current Status: Interest rates on Small Savings Schemes have remained unchanged for 7 consecutive quarters. This exceptional period of rate stability demonstrates the government's commitment to maintaining predictable returns for retail savers.
Recent Changes Timeline
Last Rate Revision: Fourth Quarter of FY 2023-24 (January-March 2024)
Consecutive Quarters without Change: 7 quarters (Q4 FY 2023-24 to Q4 FY 2025-26)
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