Misc, FinMin Office Memo Dated 31/12/2025 – Small Savings Schemes Interest Rates for January to March 2026 

Ministry of Finance has announced that the interest rates on all Small Savings Schemes for the fourth quarter of FY 2025–26 (1 January 2026 to 31 March 2026) will remain unchanged from those applicable in the third quarter. Accordingly, rates such as 4.0% on Savings Deposits, 6.9% to 7.5% on Time Deposits, 6.7% on 5-Year Recurring Deposits, 8.2% under the Senior Citizen Savings Scheme, 7.4% under the Monthly Income Account Scheme, 7.7% for National Savings Certificates, 7.1% for Public Provident Fund, 8.2% for Sukanya Samriddhi Account Scheme and 7.5% for Kisan Vikas Patra (maturing in 115 months) continue without change. 

(Link: FinMin Instructions Dated 31/12/2025)

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