Money can be earned in small savings scheme, Modi government has not made any change in interest rates

Government Small Saving Scheme: Good news for investors! The central government has not made any changes in interest rates on small savings schemes. From the first quarter of the new financial year (FY 2025-26) starting from 1 April 2025 (FY 2025-26), all post office schemes including PPF, SSY, NSC will be applicable to the old interest rates. That is, investors will get the same return as the previous quarter (January-March 2025).

How much interest on which scheme

Interest rates are different in different schemes of post office. Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) are offering the highest 8.2 percent interest, which is much better than any bank FD. At the same time, there will be a return of 7.1 percent on Public Provident Fund (PPF) and 7.5 percent on 5 years time deposit. On investing in Kisan Vikas Patra (KVP), your money will double in just 9 years and 7 months.

What to do if you want high returns?

These schemes have many benefits. They are completely safe because they have the support of the Government of India. Tax benefits are also available on schemes like PPF, SSY and NSC. Schemes like Monthly Income Account Scheme (MIAS) and Senior Citizen Savings Scheme (SCSS) are the best source of regular monthly income.

This is a golden opportunity for investors. If you want high returns, you can invest in SSY or SCSS. PPF is the best option for long term saving, while 8.2 percent of the return for senior citizens is not less than a boon.

How much interest rate on which scheme

• Savings Deposit annual interest rate 4 percent
• 1 year time deposit annual interest rate 6.9 percent
• 2 years time deposit annual interest rate 7 percent
• 3 years time deposit annual interest rate 7.1 percent
• 5 years time deposit annual interest rate 7.5 percent
• 5 -year recurring deposit (RD) interest rate 6.7 percent
• Senior Citizen Savings Scheme (SCSS) Interest Rate 8.2 %
• Monthly Income Account Scheme (MIAS) Interest Rate 7.4 percent
• National Savings Certificate (NSC) Interest Rate 7.7 percent
• Public Provident Fund (PPF) Interest Rate 7.1 percent
• Kisan Vikas Patra (KVP) Interest Rate 7.5 percent
• Sukanya Samriddhi Yojana (SSY) Interest Rate 8.2 percent

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