The Finance Ministry is reviewing the interest rates on post office small savings schemes for the January-March 2026 quarter. New rates are expected to be announced around December 31, 2025, marking the seventh consecutive period of rate stability.
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For millions of investors across the country, the announcement of interest rates on post office small savings schemes is near. The Finance Ministry is reviewing the rates for these schemes for the January-March 2026 quarter. The new rates for PPF, SCSS, SSY, and other schemes are expected to be announced around December 31, 2025. Previously, there was no change in interest rates for the October-December 2025 quarter.
Stability in Rates for Seven Consecutive Quarters
This is the seventh consecutive quarterly review by the Finance Ministry that interest rates on small savings schemes have remained unchanged. This means that investors have been receiving the same returns since April-June 2024. Investors are now watching to see if there will be any changes in the January-March 2026 quarter.
Current Interest Rates of Major Schemes
Both the Sukanya Samriddhi Yojana (SSY) and the Senior Citizens Savings Scheme (SCSS) currently offer an interest rate of 8.2% per annum. The benefits of SSY are secured investments for daughters’ education and marriage, while SCSS provides a stable source of income for retirees. The Post Office Monthly Income Scheme (POMIS) offers 7.4% annual interest, which is credited directly to the account every month.
The Public Provident Fund (PPF) offers a tax-free interest rate of 7.1% per annum and is popular for long-term investments. The National Savings Certificate (NSC) also offers 7.7% interest. The Kisan Vikas Patra (KVP) offers assured returns with a 7.5% interest rate. Post Office FDs offer 7.1% per annum for three years and 7.5% per annum for five years. The Post Office Savings Account (POSA) offers 4% per annum for 14 years.
Future Expectations and Investor Focus
In the coming days, investors will be focused on the interest rate announcement scheduled for December 31st. Considering inflation and the current economic environment, the government may change interest rates. Whether there will be any changes in returns on popular schemes like PPF, SCSS, and SSY will soon become clear.
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