# PPF, SCSS, SSY: Choose right scheme for your 2026 goals 2026-08-08T10:01:22+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet As of August 8, 2026, the government-backed Public Provident Fund (PPF) offers 7.1 per cent interest per annum, while the Senior Citizens Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) each pay 8.2 per cent per annum. PPF has a 15-year tenure and a Rs 1.5 lakh annual investment cap. SCSS is for those aged 60 and above, with a five-year term and a Rs 30 lakh maximum investment. SSY, for a girl child below 10 years, runs for 21 years and also has a Rs 1.5 lakh annual limit. All three schemes carry very low risk, are backed by the government, and offer tax benefits under Section 80C. PPF and SSY enjoy EEE (exempt-exempt-exempt) tax treatment, while SCSS interest is taxable. Livemint notes these schemes remain popular due to geopolitical uncertainties and supply chain disruptions driving global oil and gas price rises. ## Coverage - livemint.com Tags: interest rates, PPF, savings schemes, SCSS, Sukanya Samriddhi Yojana, tax benefits Canonical: https://indianopinion.org/ppf-scss-ssy-choose-right-scheme-for-your-2026-goals/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/ppf-scss-ssy-choose-right-scheme-for-your-2026-goals/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.