A high-powered government panel has suggested sweeping changes in popular small savings schemes including post office savings plans and the Public Provident Fund (PPF) as part of the government's efforts to restructure the National Small Savings Fund. The panel, led by Reserve Bank deputy governor Shyamala Gopinath to review the NSSF, has suggested discontinuation of the Kisan Vikas Patra, while continuing with all other small savings scheme, albeit in a revamped manner.