Post Office Small Savings Schemes Latest Interest Rate July-September 2025: The interest rates for small savings schemes will remain unchanged for the June to September 2025 quarter, according to the government’s latest notification.
“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,” the Ministry of Finance notification reads.
Interest rates for small savings schemes, primarily managed by post offices and banks, remain static for the sixth straight quarter. The most recent modifications to select schemes were implemented during the fourth quarter of 2023-24.
The quarterly announcement of interest rates for small savings schemes continues to be a regular government practice.
Latest Post Office Savings Scheme Interest Rates: July-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%
The Public Provident Fund (PPF) retains its 7.1% interest rate, and the National Savings Certificate remains at 7.7%. The Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) continue to provide 8.2%. These small savings investment options are generally known as post office schemes.
The Department of Economic Affairs under the Finance Ministry issued this information via a circular on June 30, 2025.
Small savings schemes like PPF, SCSS, and Sukanya Samriddhi will continue offering the same interest rates for the July-September quarter of FY26. The government has opted for stability, keeping rates unchanged despite market fluctuations.
Interest rates on India’s popular small savings schemes will remain unchanged for the July-September quarter of FY 2025-26, according to a notification from the Finance Ministry. This means savers relying on instruments like the Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS), and Sukanya Samriddhi Yojana (SSY) will see no changes in their returns in the second quarter of the fiscal year.
The PPF, a government-backed scheme known for its tax benefits and long-term savings potential, will continue to offer the same interest rate as in the previous quarter. Meanwhile, SCSS and the Sukanya Samriddhi Scheme will maintain their attractive annual rate of 8.2%, providing a secure avenue for senior citizens and promoting savings for the girl child’s future.
Investors in the National Savings Certificate (NSC) will keep earning 7.7%, while the Post Office Monthly Income Scheme (POMIS) holds steady at 7.4%. The Kisan Vikas Patra (KVP) also remains unchanged, offering a 7.5% rate with a maturity period of 115 months. Post Office savings deposits will continue to yield 4%.
Moreover, the five-year Recurring Deposit (RD) scheme allows investors to make regular monthly contributions and offers an interest rate of 6.7%. These small savings schemes ensure guaranteed returns, with interest compounded on a monthly, quarterly, or annual basis based on the chosen scheme.
Savings Schemes Interest Rates for July-September 2025
Post Office Savings Account 4%
Post Office Recurring Deposit 6.7%
Post Office Monthly Income Scheme 7.4%
Post Office Time Deposit (1 year) 6.9%
Post Office Time Deposit (2 years) 7%
Post Office Time Deposit (3 years) 7.1%
Post Office Time Deposit (5 years) 7.5%
Kisan Vikas Patra (KVP) 7.5%
Public Provident Fund (PPF) 7.1%
Sukanya Samriddhi Yojana 8.2%
National Savings Certificate 7.7%
Senior Citizens’ Saving Scheme (SCSS) 8.2