Post Office Savings Schemes: What is the latest PPF, Sukanya Samriddhi Yojana, NSC, SCSS interest rate? Government notifies rates for July-Sept 2025
Small Savings Scheme interest rate (AI image)
Post Office Small Savings Schemes 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
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
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%.
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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.
Why are bond yields important for deciding small savings schemes rate?
The reduction in repo rates by 1% has led to a decline in bond yields. RBI's policy rates share a direct relationship. When there are expectations in the market about the RBI lowering the repo rate, bond yields typically follow suit with a downward movement.
The Post Office Savings Scheme interest rates are decided by following the Shyamala Gopinath Committee guidelines. The recommendations state that interest rates for small savings instruments should be linked to secondary market yields on Central Government Securities of similar maturities, with an additional spread of 25 basis points.
For a 5-year time deposit, the interest rate calculation should reflect the secondary market yield of 5-year G-secs, plus the 25 basis points margin.
Although the established methodology suggests that declining repo rates and bond yields should lead to corresponding reductions in small savings scheme rates to align with market conditions, the government's final decisions do not always strictly adhere to these mathematical calculations.
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