Govt Keeps Small Savings Rates Unchanged for April-June 2026; No Change in PPF, NSC

The Government has retained interest rates on small savings schemes for the April-June 2026 quarter, extending the current rate cycle without change. This will be the 8th consecutive quarter where rates have been left unchanged. 

The decision applies to the first quarter of FY 2026-27, covering the period from April 1 to June 30, 2026. The rates remain the same as those notified for the January-March 2026 quarter. 

Rates Across Key Schemes 

Interest rates across major schemes continue at existing levels. The Public Provident Fund (PPF) offers 7.1% annually, while the National Savings Certificate (NSC) carries a rate of 7.7%. 

The Sukanya Samriddhi Scheme remains at 8.2%. Kisan Vikas Patra continues to offer 7.5%, with a maturity period of 115 months. 

Among deposit schemes, a 3-year term deposit provides 7.1%. The monthly income scheme stands at 7.4%, and post office savings deposits continue at 4%. 

Continuity Since Last Change 

Rates on small savings instruments were last revised in the 4th quarter of FY 2023-24. Since then, they have remained unchanged through multiple quarterly reviews. 

These schemes are offered through post offices and authorised banks and are commonly used for fixed-return savings. 

Official Notification 

The finance ministry, in its notification, stated that interest rates for all notified small savings schemes for the upcoming quarter will remain unchanged from the previous quarter. 

The announcement confirms that the existing rate structure will continue into the new financial year without any adjustments. 

Read More: Key Financial Changes from April 1, 2026: Income Tax Act Overhaul, SGB Rule Shift, Lower Mutual Fund Costs! 

Conclusion 

The latest notification maintains the current interest rate levels across small savings schemes for the April-June 2026 period, continuing the pause in revisions seen over recent quarters. 

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