Small Savings Schemes: High Returns & Security for Your Investments

• Interest rates for small savings schemes from January 1, 2026, to March 31, 2026, have been announced, offering secure investment options.
• Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) lead with an 8.2% interest rate, providing high returns and tax benefits.
• National Savings Certificate (NSC) offers 7.7%, Kisan Vikas Patra (KVP) 7.5%, and Monthly Income Scheme (MIS) 7.4% for stable cash flow.
• Public Provident Fund (PPF) maintains 7.1% for long-term wealth creation, while Recurring Deposits (RD) offer 6.7% and Savings Bank Accounts 4%.
• National Savings Time Deposit Scheme rates vary by maturity: 1-year (6.9%), 2-year (7.0%), 3-year (7.1%), and 5-year (7.5%).

Why It Matters: Government-backed small savings schemes offer competitive interest rates and security, ideal for diverse investment goals.