Finance Ministry to Declare Small Savings Rates Dec 31, 2025

• Finance Ministry will announce new interest rates for small savings schemes on December 31, 2025, for the January-March 2026 quarter.
• Schemes like KVP, SSY, SCSS, PPF, NSC, RD, POMIS are under review; current highest rates are 8.2% for SCSS and SSA.
• Rates were unchanged for Oct-Dec 2025; speculation of a rate cut for Jan-Mar 2026 due to market conditions and inflation.
• Rate changes directly impact lakhs of investors, especially senior citizens and middle-class families relying on these schemes.
• Small savings schemes remain attractive for conservative investors due to declining bank FD rates and tax benefits like PPF's EEE structure.

Why It Matters: Investors await new small savings rates on Dec 31, 2025, with potential cuts impacting returns.