The Indian government has shared the latest interest rates for small savings schemes for the July to September 2025 quarter. As expected, there is no change in the rates – they have remained the same for the sixth consecutive quarter.
More about: Small Savings Schemes
The Finance Ministry in its official notification on Monday, June 30, 2025 confirmed that the interest rates applicable from July 1 to September 30, 2025 will be the same as the previous April-June quarter.
Here is a look at the interest rates of major small savings schemes:
Public Provident Fund (PPF): 7.1%
Sukanya Samriddhi Yojana: 8.2%
Three-year term deposit: 7.1%
Post Office Savings Account: 4.0%
Kisan Vikas Patra: 7.5% (maturity in 115 months)
National Savings Certificate (NSC): 7.7%
Monthly Income Scheme (MIS): 7.4%
These schemes are managed primarily through post offices across the country and select banks. By keeping rates stable, the government focuses on ensuring stability for retail savers and promoting long-term savings, especially among conservative investors.
The last revision in any of these schemes happened in the January-March quarter of FY24. Since then, rates have remained stable even if market conditions fluctuate.
These plans provide a reliable option for those looking for safe and fixed income options in uncertain markets.
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