Interest Rates for Small Savings Schemes
Government of India vide their Office Memorandum (OM) F.No.1/4/2019-NS dated 31.12.2025 has stated that the interest rates on Small Savings Schemes for the fourth quarter of financial year 2025-26 starting from 1st January, 2026 and ending on 31st March, 2026 shall remain unchanged from those notified for the third quarter of FY 2025-26.
The rates are given below:
| Scheme | Rate of interest from
01.10.2025 to 31.12.2025 |
Rate of interest from
01.01.2026 to 31.03.2026 |
Compounding frequency |
| Senior Citizens Savings Scheme (SCSS) | 8.20% | 8.20% | Paid Quarterly |
| Public Provident Fund | 7.10 % | 7.10 % | Annually |
| Sukanya Samriddhi Account Scheme (SSA Scheme) | 8.20 % | 8.20 % | Annually |
|
Kisan Vikas Patra |
7.50 % ( will mature in 115 months ) | 7.50 % ( will mature in 115 months ) |
Annually |
| National Savings certificate | 7.70% | 7.70% | Annually |
The above rate of interest for SCSS, KVP and NSC scheme is applicable only for the newly opened accounts. ( i.e. from 01.01.2026 to 31.03.2026)
