Small Savings Schemes Interest Rates: The government on Monday decided to keep interest rates the same for small savings schemes for the sixth straight quarter. This includes popular schemes like Public Provident Fund (PPF), National Savings Certificate (NSC), and Sukanya Samriddhi Yojana.
The rates will stay unchanged from July 1, 2025, to September 30, 2025. The finance ministry said, “The rates of interest on various Small Savings Schemes for the second quarter of FY 2025-26 starting from 1st July, 2025 and ending on 30th September, 2025 shall remain unchanged from those notified for the first quarter (1st April, 2025 to 30th June, 2025) of FY 2025-26.”
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Under the latest decision, deposits under the Sukanya Samriddhi scheme will earn 8.2% interest. The three-year term deposit will continue at 7.1%. The Public Provident Fund will give 7.1%, while post office savings deposits remain at 4 per cent. Kisan Vikas Patra will continue at 7.5%, and these investments will mature in 115 months. The National Savings Certificate will stay at 7.7% for the same period. The monthly income scheme will also continue at 7.4%.
Latest Post Office Savings Scheme Interest Rates: October-December 2025
| Instrument | Rate of interest from July to September 2025 (%) |
| Post Office Savings Deposit | 4 |
| 1-Year Time Deposit | 6.9 |
| 2-Year Time Deposit | 7 |
| 3-Year Time Deposit | 7.1 |
| 5-Year Time Deposit | 7.5 |
| 5-Year Recurring Deposit | 6.7 |
| Senior Citizen Savings Scheme | 8.2 |
| Monthly Income Account Scheme | 7.4 |
| National Savings Certificate | 7.7 |
| Public Provident Fund Scheme | 7.1 |
| Kisan Vikas Patra | 7.5 (Will mature in 115 months) |
| Sukanya Samriddhi Account | 8.2 |
Why Rates Stay Unchanged?
These small savings schemes are mostly run by post offices and banks. The rates have not changed for many quarters now. Last time the government changed some rates was in 2023-24. The government checks and sets these rates every three months. For October to December 2025, the rates stay the same. This means people will get the same returns on PPF, NSC, SCSS, Kisan Vikas Patra, and Sukanya Samriddhi Yojana.
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The Department of Economic Affairs under the Finance Ministry released the official circular on September 30, 2025. The rates are calculated following the Shyamala Gopinath Committee framework. According to this, returns on small savings schemes are linked to government bond yields with an extra 0.25% margin. For example a 5-year deposits match the performance of 5-year government securities plus 25 basis points. Sometimes, the government adjusts rates differently than the exact calculations to suit economic needs.
