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59m ago

Government Leaves Small-Savings Rates Unchanged for January–March 2026

The move follows the quarterly review that links scheme returns to government‑security yields under the Shyamala Gopinath framework.

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Overview

  • The Department of Economic Affairs notified that all small-savings rates will remain the same for Q4 FY26, effective January 1 to March 31, 2026.
  • Key rates are retained: Sukanya Samriddhi and Senior Citizen Savings Scheme at 8.2%, NSC at 7.7%, KVP at 7.5% with 115‑month maturity, POMIS at 7.4%, PPF at 7.1%, and post office savings deposit at 4%.
  • The decision extends an unchanged stance for the seventh consecutive quarter, according to the finance ministry notification reported by PTI.
  • Steady rates keep government-backed returns relatively appealing for conservative savers after 2025 repo-rate cuts pulled down bank fixed deposit yields.
  • Small-savings rates are reviewed quarterly by the Finance Ministry with RBI inputs using a formula tied to market yields recommended by the Shyamala Gopinath Committee.