2026-11-01

India Finance Research Brief: PPF and Sukanya Samriddhi: how quarterly rate notices work

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Educational explainer: PPF and Sukanya Samriddhi: how quarterly rate notices work

Interest rates on small savings schemes such as PPF and Sukanya Samriddhi Yojana are notified by the Government each quarter. Always read the latest official notification instead of relying on a rate quoted elsewhere.

What to check:

  • Eligibility, minimum and maximum deposits, tenure and partial-withdrawal rules are in the scheme rules on the National Savings Institute site.
  • Rates can change quarter to quarter; the rate applies to the balance for that period.
  • Tax treatment depends on current law and the tax regime you choose.

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