Interest rates on small savings schemes like PPF and NSC are subject to a quarterly review by the Finance Ministry, with new rates for the January-March 2026 quarter to be announced by December 31, 2025. Current rates include 8.2% for SCSS and SSA, and 7.1% for PPF. Experts suggest that declining retail inflation and G-Sec bond yields, which serve as a benchmark, may influence potential rate adjustments, following a trend seen in bank Fixed Deposits.