The rate belongs to the scheme and notification period—not to the servicing bank.
SCSS, PPF, Sukanya and KVP are tracked by Government-notified quarter. FRSB stays separate because its coupon resets every six months using the prevailing NSC rate plus 35 basis points.
Preserved Government-notified small-savings quarters.
A flat history is still useful evidence: it confirms that the rate was formally continued rather than silently assumed.
| Quarter | SCSS · PPF · Sukanya | KVP / evidence |
|---|---|---|
| Q2 FY2026-27July 1, 2026 – September 30, 2026 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
| Q1 FY2026-27April 1, 2026 – June 30, 2026 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
| Q4 FY2025-26January 1, 2026 – March 31, 2026 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
| Q3 FY2025-26October 1, 2025 – December 31, 2025 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
| Q2 FY2025-26July 1, 2025 – September 30, 2025 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
| Q1 FY2025-26April 1, 2025 – June 30, 2025 | 8.20% · 7.10% · 8.20% | 7.50% · 115 months Source ↗ |
A six-month bond reset should not be forced into a quarterly table.
Each record keeps the NSC input, 35-basis-point spread and resulting coupon.
8.05% p.a.
7.70% NSC + 0.35% spread. Formula-derived from prevailing NSC 7.70% + 35 bps under the RBI FRSB reset rule.
Open evidence ↗Jan–Jun 20268.05% p.a.
7.70% NSC + 0.35% spread. Formula-derived from prevailing NSC 7.70% + 35 bps; small-savings rates remained unchanged through Q4 FY2025-26 and Q1 FY2026-27.
Open evidence ↗Jul–Dec 20258.05% p.a.
7.70% NSC + 0.35% spread. Bank of Baroda explicitly records 8.05% for the July–December 2025 coupon period.
Open evidence ↗One canonical scheme, multiple verified access routes.
We count a bank/channel only when a current first-party page, form or digital-service document supports it. A service route never changes the Government-set economics.
Senior Citizens' Savings Scheme (SCSS) — Bank of Baroda service route
Branch and digital availability are kept separate from scheme eligibility and rate rules.
Public Provident Fund (PPF) — Bank of Baroda service route
Branch and digital availability are kept separate from scheme eligibility and rate rules.
Sukanya Samriddhi Account — Bank of Baroda service route
Includes a live first-party channel conflict that is exposed rather than silently resolved.
e-Kisan Vikas Patra (e-KVP) — Bank of Baroda
Branch and digital availability are kept separate from scheme eligibility and rate rules.
Floating Rate Savings Bonds 2020 (Taxable) — Bank of Baroda service route
Branch and digital availability are kept separate from scheme eligibility and rate rules.