From Sukanya to Kisan Vikas Patra, how much interest is available in which government scheme, here is the complete information

The government has issued a notification regarding interest rates on small savings schemes for the quarter from January to March 2026. According to this notification, interest rates on all major small savings schemes offered through post offices and banks have been unchanged for the seventh consecutive quarter. 

This clearly indicates that investors will continue to receive returns at the current interest rates. Let us explain in detail how much interest will be earned under the government schemes Sukanya Samriddhi Yojana and Kisan Vikas Patra Yojana.

Investors in the Sukanya Samriddhi Yojana (SSY), considered the most popular small savings scheme, will receive an attractive interest rate of 8.2 percent. This scheme remains one of the best options for securing the future of their daughters. 

Similarly, the Senior Citizen Savings Scheme (SCSS) has retained its 8.2 percent interest rate, providing a regular and secure source of income for retired individuals.

Post office scheme

Meanwhile, the interest rate on National Savings Certificates (NSCs) for the January-March quarter has been fixed at 7.7 percent. NSCs are popular among investors as a safe, long-term investment. Investors in Kisan Vikas Patra (KVP) will earn 7.5 percent interest, and their investment will double in approximately 115 months. 

The government has maintained the interest rate on the Public Provident Fund (PPF) at 7.1 percent. PPF remains a preferred scheme for those seeking long-term, tax-free investments. 

Similarly, investors in the Post Office Monthly Income Scheme (MIS) will earn a return of 7.4 percent, which is useful for those seeking regular monthly income.

Additionally, recurring deposits (RDs) will continue to offer 6.7 percent interest, and post office savings accounts will offer 4 percent interest. 

National Savings Time Deposits offer 6.9 percent interest rates for one-year deposits, 7.0 percent for two-year deposits, 7.1 percent for three-year deposits, and 7.5 percent for five-year deposits. 

Overall, the government has kept interest rates unchanged, conveying a message of stability to investors. These small savings schemes will remain a reliable option for those seeking safe and guaranteed returns in the current quarter.