Government Savings Schemes 2026: Which One Actually Pays

SCSS and Sukanya lead at 8.2%; PPF stays 7.1% but is fully tax-free (EEE)

Rates are frozen for the eighth straight quarter through June 2026

Mahila Samman is shut to new deposits since April 2025; existing accounts run on

Under the new tax regime, 80C deductions do nothing — pick on returns and goal, not tax

TDS now kicks in only above 1 lakh of interest a year for senior citizens

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