Small Savings Schemes: Know Your Returns on PPF, Post Office FD, SSY & More
Small Savings Schemes: Know Your Returns on PPF, Post Office FD, SSY & More
- •Small savings schemes, including PPF, Post Office FD, and SSY, offer higher returns than bank FDs, sovereign guarantee, and tax benefits.
- •Interest rates for these schemes are reviewed quarterly by the Ministry of Finance, with current rates for Jan-Mar 2026 announced on Dec 25, 2025.
- •Key features include low risk, attractive fixed interest rates, accessibility, tax benefits under Section 80C, and promotion of long-term savings.
- •Schemes are categorized into Post Office Deposits (e.g., 3-year FD at 7.1%), Savings Certificates (NSC at 7.7%, KVP at 7.5%), and Social Security Schemes (SSY at 8.2%, SCSS at 8.2%).
- •Interest rates are linked to government securities (G-Sec) with an added 'spread' to reflect market dynamics and economic events.
