Savings and Banking Schemes (Central Sector)
Zero-balance Jan Dhan bank accounts, Senior Citizen Savings Scheme, and Public Provident Fund. Below is the complete table and detailed summaries of all active and landmark central schemes under this category, verified on 15 October 2026.
Master Table: Savings and Banking Schemes
| # | Scheme Name | Key Financial Benefit | Target Beneficiary | Current Status | Action |
|---|---|---|---|---|---|
| 31 | PM Jan Dhan Yojana 2026: Zero Balance Account, Rs 10,000 OD, Insurance Also: Jan Dhan account, zero balance account | No minimum balance. | Any Indian aged 10 or above without a bank account (minors can open with a guardian). | Active | Read Details → |
| 32 | SCSS Interest Rate Oct-Dec 2026: 8.2%, Rs 30 Lakh Limit, Rules Also: SCSS, senior citizen FD post office | 8.2% a year for Oct to Dec 2026 (rate locked at opening for the full term). | Indians aged 60+; retired civilians 55-60 and retired defence staff 50-60 (within set time of retirement benefits). | Active | Read Details → |
| 33 | PPF Interest Rate Oct-Dec 2026: 7.1%, Rules, Limits Also: PPF account | 7.1% a year for Oct to Dec 2026. | Any resident Indian individual (one account per person; a guardian can open for a minor). | Active | Read Details → |
Scheme Profiles & Quick Facts
31. PM Jan Dhan Yojana 2026: Zero Balance Account, Rs 10,000 OD, Insurance
Ministry: Department of Financial Services, Ministry of FinanceWhat it gives: A zero-balance bank account for every adult without one, with a RuPay card, accident cover and an overdraft.
Who is eligible: Any Indian aged 10 or above without a bank account (minors can open with a guardian).
32. SCSS Interest Rate Oct-Dec 2026: 8.2%, Rs 30 Lakh Limit, Rules
Ministry: Department of Economic Affairs, Ministry of FinanceWhat it gives: A safe 5-year deposit for people 60+ that pays interest every quarter.
Who is eligible: Indians aged 60+; retired civilians 55-60 and retired defence staff 50-60 (within set time of retirement benefits).
33. PPF Interest Rate Oct-Dec 2026: 7.1%, Rules, Limits
Ministry: Department of Economic Affairs, Ministry of FinanceWhat it gives: A 15-year, government-backed savings account with tax-free interest.
Who is eligible: Any resident Indian individual (one account per person; a guardian can open for a minor).