Small Savings Schemes: PPF, Sukanya, KVP - Which is Best for You?

• Government's Small Savings Schemes offer risk-free options for financial security, with interest rates reviewed quarterly.
• Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) currently offer the highest interest at 8.2%.
• SSY and Public Provident Fund (PPF) provide full 'EEE' tax benefits, making them highly tax-efficient.
• Kisan Vikas Patra (KVP) doubles money in 9 years 7 months at 7.5% but has taxable interest and no 80C benefits.
• Interest rates for Jan-Mar 2026 quarter will be decided by Dec 31, 2025; experts predict no reduction.

Why It Matters: Choose the right small savings scheme based on your financial goals, tax benefits, and tenure.