The government has kept interest rates on small savings schemes unchanged for the January–March 2026 quarter. Popular instruments such as PPF (7.1%), SCSS and SSA (8.2%), NSC (7.7%), and POMIS (7.4%) continue at prior levels. The move aims to preserve stability for retail investors amid evolving market conditions.
The Ministry of Finance announced that interest rates across small savings schemes will remain unchanged for Q4 FY26 (January 1–March 31, 2026), retaining the same rates notified for the previous quarter. PPF stays at 7.1%, post office savings deposit at 4%, while SCSS and Sukanya Samriddhi Account hold at 8.2%. Business Today and News18 corroborate instrument-wise continuity, including NSC at 7.7% and POMIS at 7.4%Business Today+1.
Officials signaled the decision balances retail savers’ need for predictable returns with broader rate-cycle dynamics. The unchanged slate marks another consecutive quarter of stability, helping households plan liquidity and long-term goals without recalibrating portfolios suddenly.
Important points and notable updates
Quarter unchanged: Rates held for Jan–Mar 2026; no revisions versus prior quarter.
Top yields: SCSS/SSA at 8.2%; attractive for seniors and girl-child savings.
Core anchors: PPF 7.1%, NSC 7.7%, POMIS 7.4%, Savings deposit 4%.
Planning benefit: Stability aids household budgeting and goal-based investing.
Policy stance: Decision reflects prudence amid shifting market signals.
Conclusion
By keeping small savings rates unchanged, the government prioritizes stability for mass-market investors, sustaining predictable income and long-term compounding in flagship schemes through Q4 FY26.
Sources: News18; Business TodayBusiness Today; NDTV Profit; Financial Express