PPF, SSY Interest Rates Stay Unchanged For Q2 FY2026-27; Here's The Complete List
Investors in government-backed savings schemes can expect no change in returns for the second quarter of the financial year 2026-27. The government has announced that interest rates on all small savings schemes will remain unchanged for the period from 1 July, 2026 to 30 September, 2026. The decision provides certainty for millions of investors who rely on these schemes for long-term savings, retirement planning and wealth creation. Popular options such as the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS) and National Savings Certificate (NSC) will continue to offer the same rates as the previous quarter.
Small savings schemes remain among the preferred investment choices for individuals seeking stable and government-backed returns. By keeping rates unchanged, the government has ensured consistency for investors who regularly contribute to these schemes.
Meanwhile, the Sukanya Samriddhi Yojana, designed to encourage long-term savings for the education and future needs of girl children, will continue to earn an annual interest rate of 8.2 per cent. This makes it one of the highest-yielding small savings schemes currently available.
The Senior Citizen Savings Scheme also continues with an annual interest rate of 8.2 per cent, providing attractive returns for retired investors seeking regular income and capital protection.
The National Savings Certificate will continue to provide an annual interest rate of 7.7 per cent. The Kisan Vikas Patra and the 5-Year Post Office Fixed Deposit will both offer 7.5 per cent.
Investors in the Monthly Income Scheme will continue to earn 7.4 per cent annually, while the 3-Year Fixed Deposit will remain at 7.1 per cent alongside PPF.
The 2-Year Fixed Deposit continues to offer 7.0 per cent, while the 1-Year Fixed Deposit remains at 6.9 per cent. Those investing in the 5-Year Recurring Deposit will receive 6.7 per cent annually. The Post Office Savings Account continues with an annual interest rate of 4.0 per cent.
Long-term investors in schemes such as PPF, SSY and SCSS can continue their financial planning without worrying about immediate changes in returns. Those planning fresh investments can also calculate expected earnings with greater confidence as the rates remain unchanged for another quarter.
With no revisions announced, the current interest structure continues to support a wide range of investors, from young parents saving for their children's future to senior citizens seeking dependable income and individuals building long-term wealth through disciplined savings. The unchanged rates reinforce the stability of government-backed small savings schemes, allowing investors to stay focused on their financial goals without the uncertainty of fluctuating returns.
No Revision In Small Savings Scheme Returns
The latest announcement confirms that the interest rates applicable during the April to June quarter of FY2026-27 will continue for the July to September period as well. This means investors do not have to adjust their financial plans based on revised returns.Small savings schemes remain among the preferred investment choices for individuals seeking stable and government-backed returns. By keeping rates unchanged, the government has ensured consistency for investors who regularly contribute to these schemes.
PPF And SSY Continue With Existing Interest Rates
The Public Provident Fund, one of India's most popular long-term investment options, will continue to offer an annual interest rate of 7.1 per cent. The scheme remains a preferred choice for individuals looking to build a retirement corpus while benefiting from government-backed security.Meanwhile, the Sukanya Samriddhi Yojana, designed to encourage long-term savings for the education and future needs of girl children, will continue to earn an annual interest rate of 8.2 per cent. This makes it one of the highest-yielding small savings schemes currently available.
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The Senior Citizen Savings Scheme also continues with an annual interest rate of 8.2 per cent, providing attractive returns for retired investors seeking regular income and capital protection.
Latest Interest Rates Across Small Savings Schemes
Apart from PPF and SSY, other popular schemes will also retain their existing interest rates for the quarter.The National Savings Certificate will continue to provide an annual interest rate of 7.7 per cent. The Kisan Vikas Patra and the 5-Year Post Office Fixed Deposit will both offer 7.5 per cent.
Investors in the Monthly Income Scheme will continue to earn 7.4 per cent annually, while the 3-Year Fixed Deposit will remain at 7.1 per cent alongside PPF.
The 2-Year Fixed Deposit continues to offer 7.0 per cent, while the 1-Year Fixed Deposit remains at 6.9 per cent. Those investing in the 5-Year Recurring Deposit will receive 6.7 per cent annually. The Post Office Savings Account continues with an annual interest rate of 4.0 per cent.
Stability Offers Confidence To Investors
The decision to maintain existing rates offers predictability for investors who depend on these schemes for fixed returns. Since these investments are backed by the government, they remain popular among conservative investors looking for safety and steady earnings instead of market-linked fluctuations.Long-term investors in schemes such as PPF, SSY and SCSS can continue their financial planning without worrying about immediate changes in returns. Those planning fresh investments can also calculate expected earnings with greater confidence as the rates remain unchanged for another quarter.
With no revisions announced, the current interest structure continues to support a wide range of investors, from young parents saving for their children's future to senior citizens seeking dependable income and individuals building long-term wealth through disciplined savings. The unchanged rates reinforce the stability of government-backed small savings schemes, allowing investors to stay focused on their financial goals without the uncertainty of fluctuating returns.
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