Small Savings Rates 2026: The government has checked the interest rates for small savings schemes for the April to June 2026 period and decided not to change them. This means people who invest in these government-backed savings plans will keep getting the same returns as before. In its latest notification for the first quarter of FY 2026-27, the Finance Ministry said, “The rates of interest on various Small Savings Schemes for the first quarter of FY 2026-27, starting from April 1, 2026, and ending on June 30, 2026, shall remain unchanged from those notified for the fourth quarter (January 1, 2026 to March 31, 2026) of FY 2025-26.” Reports on March 30 also said the rates were left unchanged for the new quarter.
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So basically nothing is changing for now. People who already put money in these schemes will continue to earn the same interest. This gives savers a feeling of stability because there is no surprise for the new quarter.
These schemes are popular with families who want safe returns and do not want to take market risk. Because they are backed by the government, many people trust them for regular and steady savings.
Rates Stay the Same
The returns will therefore stay exactly same.
— The Public Provident Fund (PPF) will continue to fetch 7.1%.
— Post office savings deposits will earn 4% interest.
— Sukanya Samriddhi Scheme interest will remain at 8.2%.
— Interest on three-year term deposit will remain at 7.1%.
— The National Savings Certificate will earn interest of 7.7%.
— Interest on the Monthly Income Scheme will remain at 7.4% and the Kisan Vikas Patra at 7.5%, with maturity in 115 months.
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Small savings schemes are used by many people who want safety and fixed returns. These are often chosen by careful investors who like simple government-backed options instead of products that go up and down with the market.
The latest decision also continues the same pattern seen in recent quarters, where the government has avoided making frequent rate changes. That means investors can plan with more comfort because the returns stay familiar.
