An important news for them who wants to make an investment in small saving scheme. The government has declared their decision about the interest rates on various schemes. They decided to maintain the interest rates for the October-December quarter. In a recent statement the government informed that interest rates on small savings schemes will remain unchanged from October 1, 2025, to December 31, 2025. This is the seventh consecutive quarter in which interest rates have remained unchanged.
What the government has stated
According to the notification of the Finance Ministry, the interest rates of all small savings schemes for the third quarter (from October 1 to December 31, 2025) will remain the same as the second quarter (from July 1 to September 30, 2025). Because of the decision and unchanged interest rates for a notable time period, investors can do a proper plan for their future investment plans.
What are the interest rates of the schemes?
• The interest rate on Sukanya Samriddhi Scheme will remain at 8.2%, while the interest on three-year term deposit will remain at 7.1%, which is applicable in the current quarter.
• The interest rate on Public Provident Fund (PPF) will remain at 7.1% and the interest rate on Post Office Savings Deposit will remain at 4%.
• Kisan Vikas Patra (KVP) offers a 7.5% interest rate and matures in 115 months. National Savings Certificates (NSC) offer a 7.7% interest rate.
• As in the current quarter, investors on Monthly Income Scheme (MIS) will get 7.4% interest in the third quarter as well.
Thus, the interest rates for small savings schemes operated through post offices and banks have remained unchanged for six consecutive quarters. The government last revised some schemes in the fourth quarter of fiscal year 2023-24. The government reviews the interest rates for these small savings schemes every quarter and issues a notification for the new quarter.