Government Savings Schemes 2026: Which One Actually Fits You

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

SCSS pays 8.2% quarterly for those 60+, with the cap now at ₹30 lakh per investor

PPF (7.1%) and Sukanya (8.2%) are the only fully tax-free options under the EEE rule

Under the new tax regime, the 80C deduction no longer applies — pick on goal and return, not tax

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