The Ministry of Finance has officially released the interest rates for Small Savings Schemes for the first quarter of the fiscal year 2026-27, spanning from April 1 to June 30, 2026. In a move that ensures continuity for millions of retail investors, the government has decided to keep the interest rates unchanged for the eighth consecutive quarter. This stability is a welcome sign for middle-class families and retirees who rely on post office schemes for guaranteed returns.

Key Interest Rates for April–June 2026: The flagship scheme for the girl child, Sukanya Samriddhi Yojana (SSY), continues to offer a high return of 8.2%. The Public Provident Fund (PPF), a staple for long-term tax-saving investments, remains at 7.1%. Senior citizens will continue to benefit from the Senior Citizen Savings Scheme (SCSS), which offers an impressive 8.2% interest rate.

Detailed Rate Chart:

• National Savings Certificate (NSC): 7.7%
• Kisan Vikas Patra (KVP): 7.5% (Maturing in 115 months)
• Monthly Income Account (MIS): 7.4%
• 5-Year Recurring Deposit (RD): 6.7%
• Post Office Savings Account: 4.0%
• Time Deposits (FD): Rates range from 6.9% for 1 year to 7.5% for 5 years.

Economists suggest that by maintaining these rates, the government aims to support small savers amid fluctuating market dynamics. Since these schemes are backed by the sovereign guarantee of the Government of India, they remain the most secure investment avenues for the common man. Investors can continue their subscriptions at any post office or authorized bank branch across the country under these existing rates.