MoF keeps interest rates on Small Savings Schemes unchanged for Q2 FY26

Current Context: The Ministry of Finance has announced that interest rates for various Small Savings Schemes will remain unchanged for the second quarter of FY 2025-26 (July 1 to September 30, 2025), marking the sixth consecutive quarter without revisions.

This decision, despite recent RBI repo rate cuts, maintains stability for risk-averse investors.

Below are the key schemes and their interest rates:

Public Provident Fund (PPF): 7.1%
Sukanya Samriddhi Yojana (SSY): 8.2%
Senior Citizen Savings Scheme (SCSS): 8.2%
National Savings Certificate (NSC): 7.7%
Post Office Monthly Income Scheme (POMIS): 7.4% (payable monthly)
Kisan Vikas Patra (KVP): 7.5% (matures in 115 months)
Post Office Time Deposit (3-year): 7.1%
Post Office Savings Account (POSA): 4.0%

Question:

Q.1 What is the interest rate offered on the Sukanya Samriddhi Yojana (SSY) for Q2 of FY 2025–26?
a) 7.5%
b) 8.0%
c) 8.2%
d) 7.1%

Answer: c) SSY continues to offer one of the highest interest rates among small savings schemes at 8.2%.