Latest Interest Rates: The government has decided to leave the interest rates on small savings schemes unchanged for the quarter July to September 2025. This is the sixth consecutive quarter in which these rates have been kept unchanged, which is a relief to investors.
The government has issued a notification giving big information. According to the notification, the government has not made any change in the interest rates of PPF, Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), National Savings Certificate (NSC), Post Office FD, RD and Monthly Income Scheme (POMIS) for the quarter July-September 2025.
Small Savings Schemes are safe investment schemes run by the Government of India. The aim is to encourage people to save. These schemes are specially designed keeping in mind small investors, senior citizens, women and people from rural areas. In these schemes, the government pays a fixed interest rate on investments, which is decided on a quarterly basis.
Interest rates for Small Savings Schemes for July–September 2025:
- Public Provident Fund (PPF) – 7.1%
- Sukanya Samriddhi Yojana (SSY) – 8.2%
- Senior Citizen Savings Scheme (SCSS) – 8.2%
- National Savings Certificate (NSC) – 7.7%
- Post Office Time Deposit (FD) – 6.9% to 7.5% (for tenors of 1 to 5 years)
- Post Office Recurring Deposit (RD) – 6.7%
- Kisan Vikas Patra (KVP) – 7.5%
- Post Office Monthly Income Scheme (POMIS) – 7.4%
- This is the sixth consecutive quarter that there has been no change in the interest rates on these schemes.
The notification issued by the Finance Ministry states that the interest rates on various small savings schemes for the second quarter of the financial year 2025-26 (July 1, 2025 to September 30, 2025) will remain the same as the rates notified for the first quarter (April 1, 2025 to June 30, 2025).
