Where to Park Your Money in 2026: Govt Savings Schemes Compared

Small savings rates held for the eighth straight quarter; SCSS and Sukanya top the table at 8.2%

SCSS lets seniors lock up to ₹30 lakh for 5 years; a couple can park ₹60 lakh between them

PPF and Sukanya are fully tax-free (EEE); NSC and MIS interest is taxed at your slab

Mahila Samman Savings Certificate is closed to fresh deposits since 1 April 2025

Under the default new tax regime there's no 80C deduction, so pick by goal, not by tax break

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