Small Savings Schemes: High Interest Rates for Safe Returns Announced for Q1 2026

• Interest rates for small savings schemes for January 1, 2026 to March 31, 2026, have been declared.
• Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) lead with 8.2% interest.
• National Savings Certificates (NSC) offer 7.7%, Kisan Vikas Patra (KVP) 7.5%, and Monthly Income Scheme (MIS) 7.4%.
• Public Provident Fund (PPF) maintains 7.1%, while Recurring Deposits yield 6.7% and Savings Bank 4%.
• National Savings Time Deposit rates vary by tenure: 1-year at 6.9%, 2-year at 7.0%, 3-year at 7.1%, and 5-year at 7.5%.

Why It Matters: Government-backed small savings schemes offer competitive interest rates for safe, inflation-beating returns.