Good news for small investors! Big update on interest rates of PPF, NSC and SCSS

If you invest in Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC) or other small savings schemes of Post Office, then there is good news for you. The central government has not made any change in the interest rates of all these schemes for the second quarter (July-September) of the financial year 2026-27. That means investors will continue to get the same returns as before.

Interest rates remained stable for the ninth consecutive quarter

The Finance Ministry reviews the interest rates of small savings schemes every three months. However, this time also the government has kept the rates the same. This is the ninth consecutive quarter when there has been no change in the interest rates of these schemes. The government believes that in the current economic circumstances, stable interest rates are in the interest of small investors and senior citizens.

How much interest will be given on which scheme?

The highest interest rate of 8.2% per annum will be available on Sukanya Samriddhi Yojana and Senior Citizen Savings Scheme for the quarter July to September 2026. 7.7% on National Savings Certificate (NSC), 7.5% on Kisan Vikas Patra (KVP) and 5-year Post Office Time Deposit, 7.4% on Post Office Monthly Income Scheme (MIS), while 7.1% annual interest will be available on Public Provident Fund (PPF). The interest rate on post office savings account will remain 4%.

Better option for those looking for safe investment

Small savings schemes are quite popular among those who want assured returns without risk. These schemes are guaranteed by the government, hence the investment is considered completely safe. Tax benefits are also available in PPF and Sukanya Samriddhi Yojana, while SCSS provides a better option for regular income to senior citizens. This is the reason why lakhs of investors have got relief due to no change in interest rates.

What should investors do?

Experts say that these schemes still remain attractive for investors whose aim is to get safe and stable returns in the long term. With interest rates remaining stable, investment planning becomes easier and there is less uncertainty about future returns. In such a situation, people who are looking for safe investment options can continue investing in these schemes as per their need and financial goals.