Explanation:-  Government keeps interest rates on Small Savings Schemes unchanged for Quarter-4 of  2021-22 ? The interest rates on the small savings schemes will remain the same for the fourth  quarter of 2021-2022 (January – February – March 2022) as they were in the third quarter  of 2021-22 (October-November-December 2021). ? Interest rates for small savings schemes are notified by the Finance Ministry on a  quarterly basis in every financial year. ? Q1 of FY 2021-22 (April-June) ? Q2 of FY 2021-22 (July-Sept) ? Q3 of FY 2021-22 (Oct-Dec) ? Q4 of FY 2021-22 (Jan-March) ? West Bengal is the highest contributor to the small saving schemes while Uttar Pradesh  is the second top contributor. ? Various Interest Rates for Quarter-4 (Jan-March) of 2021-22 are listed below: