Interest rates for India's small savings schemes, including PPF and NSC, are subject to quarterly review by the Finance Ministry, with the next review scheduled for December 31, 2025, for the January-March 2026 quarter. Currently, the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Account (SSA) offer the highest rates at 8.2 percent, while PPF offers 7.1 percent. Rates are adjusted based on market conditions and benchmark yields, with the government having the ability to cut them.