PPF, SSY to SCSS: 5 government-backed schemes offering up to 8.2% interest in 2026
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Small savings schemes continue to offer up to 8.2% interest
Small savings schemes remain a preferred choice for conservative investors seeking stable, government-backed returns. For the April-June 2026 quarter, the government has retained interest rates on all small savings schemes, allowing investors to earn returns of up to 8.2% per annum.
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Senior Citizens Savings Scheme (SCSS)
The Senior Citizens Savings Scheme (SCSS) is one of the most popular retirement-focused investment options.
● Interest rate: 8.2% p.a.
● Government-backed returns
● Interest paid quarterly
● Popular among retirees seeking regular income
● Interest rate: 8.2% p.a.
● Government-backed returns
● Interest paid quarterly
● Popular among retirees seeking regular income
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Sukanya Samriddhi Account (SSA)
The Sukanya Samriddhi Account (SSA) is designed for the financial future of a girl child.
● Interest rate: 8.2% p.a.
● Minimum annual deposit: Rs 250
● Maximum annual deposit: Rs 1.5 lakh
● Investment period: 15 years
● Maturity period: 21 years
● Interest rate: 8.2% p.a.
● Minimum annual deposit: Rs 250
● Maximum annual deposit: Rs 1.5 lakh
● Investment period: 15 years
● Maturity period: 21 years
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National Savings Certificate (NSC)
The National Savings Certificate (NSC) is a popular tax-saving investment option.
● Interest rate: 7.7% p.a.
● Maturity period: 5 years
● Interest compounded annually
● Interest paid at maturity
NSC is preferred by investors looking for fixed returns and tax benefits.
● Interest rate: 7.7% p.a.
● Maturity period: 5 years
● Interest compounded annually
● Interest paid at maturity
NSC is preferred by investors looking for fixed returns and tax benefits.
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Monthly Income Scheme (MIS)
The Post Office Monthly Income Scheme (MIS) provides regular income through monthly interest payouts.
● Interest rate: 7.4% p.a.
● Interest paid monthly
● Lock-in period: 5 years
● Government-backed investment
● Interest rate: 7.4% p.a.
● Interest paid monthly
● Lock-in period: 5 years
● Government-backed investment
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Public Provident Fund (PPF)
The Public Provident Fund (PPF) remains one of India's most popular long-term savings schemes.
● Interest rate: 7.1% p.a.
● Maturity period: 15 years
● EEE (Exempt-Exempt-Exempt) tax status
● Suitable for retirement planning and long-term wealth creation
PPF offers tax-free interest and tax-free maturity proceeds, subject to prevailing rules.
● Interest rate: 7.1% p.a.
● Maturity period: 15 years
● EEE (Exempt-Exempt-Exempt) tax status
● Suitable for retirement planning and long-term wealth creation
PPF offers tax-free interest and tax-free maturity proceeds, subject to prevailing rules.