Govt Keeps Small Savings Scheme Rates Unchanged for July–September 2025 Quarter

 Govt Keeps Small Savings Scheme Rates Unchanged for July–September 2025 Quarter




In a move aimed at financial consistency, the Government of India has maintained the existing interest rates on small savings schemes for the second quarter of FY 2025-26, spanning July 1 to September 30, 2025.

According to a notification issued by the Ministry of Finance, this marks the sixth consecutive quarter where no changes have been made to these popular savings instruments.

Key Interest Rates for Q2 FY 2025-26:

  • Sukanya Samriddhi Yojana: 8.2%
  • Public Provident Fund (PPF): 7.1%
  • National Savings Certificate (NSC): 7.7%
  • Kisan Vikas Patra (KVP): 7.5% (Maturity in 115 months)
  • Three-Year Term Deposit: 7.1%
  • Monthly Income Scheme (MIS): 7.4%
  • Post Office Savings Deposit: 4%

These rates mirror those notified for the April–June 2025 quarter, offering continued stability for investors who depend on government-backed savings plans.

Small savings schemes are largely administered by post offices and public sector banks, making them accessible to the masses. The decision to hold rates steady is expected to encourage conservative investors who prioritize safety over high returns.

This announcement is part of the government’s regular practice of reviewing and updating interest rates every quarter. However, since the last revision during Q4 of FY 2023-24, no changes have been implemented across five consecutive quarters.

For investors looking for stable and tax-efficient returns, these schemes remain a reliable choice.

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