Sukanya Samriddhi Yojana

SMALL SAVINGS SCHEMES : MEANING , ISSUE & WAY FORWARD

Small Savings Schemes like PPF, NSC, SCSS, Sukanya Samriddhi Yojana, KVP, and MIS are government-backed instruments aimed at mobilizing household savings. As of Oct–Dec 2025, interest rates remain attractive (PPF 7.1%, SCSS 8.2%), ensuring investor confidence. Key initiatives include digitalization through Aadhaar-based e-KYC, freezing inactive accounts after 3 years, and exploring sachet-sized investments to promote financial inclusion. These measures enhance accessibility, transparency, and fiscal sustainability, making small savings schemes a safe and convenient investment option for all sections of society.