New Delhi: Even though fixed deposits are now offering slightly higher returns than before, thanks to the recent hike in interest rates by various banks, small savings programs continue to offer more attractive rewards. Small savings schemes including PPF, Senior Citizen Savings Schemes, National Savings Certificate and Sukanya Samriddhi Account Scheme offer returns of 4% to 8.1 per cent depending on the plan and the investment tenure.
small savings schemes
Small Savings Schemes are government-managed savings vehicles designed to encourage residents to save consistently. Post office savings accounts, fixed deposits of 1-3 years and recurring deposits of 5 years are among the options. Savings certificates like National Savings Certificate and Kisan Vikas Patra are also included.
It also includes Public Provident Fund, Sukanya Samriddhi Account and Senior Citizens Savings Scheme, which are all social security schemes. The plans are also applicable to the monthly income account.
current interest rates
For the April-June quarter, the government kept interest rates on marginal savings instruments constant. Interest rates on small savings accounts are reviewed every three months. The change is in line with the movement of government bonds to equal-maturity benchmarks. The current rates on various types of small savings instruments are listed below.
The interest rate on post office savings accounts is 4% per annum. Fixed deposits with tenors of one to three years are currently paying 5.5 per cent per annum. Fixed deposits with a maturity of five years offer 6.7% annualized returns. The interest on a five-year recurring deposit can be as high as 5.8 per cent per annum.
Annual interest rates of 6.8% and 6.9% are available on National Savings Certificate and Kisan Vikas Patra respectively.
Annual returns on Public Provident Fund, Sukanya Samriddhi Account and Senior Citizens Savings Scheme are 7.1 per cent, 7.6 per cent and 7.4 per cent respectively.
In 2015, the Beti Bachao Beti Padhao campaign created a Sukanya Samriddhi account for a girl child. The account can be opened in the name of a girl child below the age of ten years. The program is eligible for a tax deduction under Section 80C of the Internal Revenue Code. The deposit has a tenure of 21 years from the date of opening and can be invested for a maximum amount of Rs 1.5 lakh every year.
The interest rate on the monthly income account is 6.6 percent per annum.
interest rates on fixed deposits
Recently fixed deposit interest rates for various tenors and deposits have been increased by HDFC Bank, Axis Bank and Kotak Mahindra Bank.
HDFC Bank currently offers interest rates on fixed deposits of less than Rs 2 crore, which range from 5.1 to 5.6 per cent, depending on the tenure and profile of the borrowers. Different interest rates are offered for different profiles, such as women, older persons, etc.
Axis Bank currently offers an interest rate of 4.45-4.65 per cent on deposits above Rs 2 crore.
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