The government recently hiked the interest rates on small savings instruments from 10-30 basis points. To understand why the rate hikes weren’t higher at a time when the RBI has raised the repo rate by 190 basis points, and to get a view on which small saving schemes are most attractive at this juncture, Business Standard’s Sanjay Kumar Singh spoke to Deepesh Raghaw, founder, PersonalFinancePlan, a Sebi-registered investment advisor.