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    <title>CLARIFICATION ON INTEREST RATES ON SMALL SAVINGS SCHEMES.</title>
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    <description>Interest rates on small savings schemes are fixed at the time of individual investment and remain unchanged for that investment&#039;s term, despite annual alignment with Government securities; revisions apply only to investments made in the period of revision. Public Provident Fund accounts receive an annual rate that applies uniformly to all PPF accounts for that year.</description>
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