Best Government Savings Schemes in India 2026, Compared

Rates for Apr–Jun 2026 are unchanged for the 8th straight quarter: SSY and SCSS lead at 8.2%.

PPF stays at 7.1% but is fully tax-free (EEE) — the only big-ticket scheme that is.

SCSS pays 8.2% quarterly with a ₹30 lakh cap, the best fixed-rate bet for retirees.

Section 80C deductions work only under the old tax regime; the new regime ignores them.

Mahila Samman Savings Certificate is closed to new buyers since 31 March 2025.

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