<h1>Bank Deposit Rates Set by Banks, Differ from Small Savings Schemes Linked to Government Securities; Jan Dhan Yojana Promotes Savings.</h1> Interest rates on bank deposits vary as they are determined by individual banks based on their policies, unlike Small Savings Schemes which are linked to government securities rates. As of March 31, 2016, 14.84% of savings in Post Office schemes are part of the total savings in Public Sector Banks. The government is actively promoting these schemes nationwide through various media channels. Additionally, the Jan Dhan Yojana aims to encourage bank deposits and savings. This information was provided by a government official in response to a parliamentary question.