PPF, Sukanya Yojana– The central government has decided not to change the interest rates on small savings schemes. With this, you will continue to get the same interest rates as you were getting till now. The government’s objective is to encourage people to save through these schemes.

Let us tell you that these schemes have been specially designed keeping in mind small investors as well as senior citizens, women and people from rural areas. The government provides a fixed interest rate on investment in these schemes, which is fixed on a quarterly basis.

The central government has not made any change in the interest rates of small savings schemes for the second quarter of the financial year 2025-26 (July-September 2025). This includes schemes like Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Senior Citizen Savings Scheme (SCSS) and Post Office Fixed Deposit (FD). The decision in this regard was taken by the Finance Ministry in a notification issued on 30 June 2025. According to this, these rates will remain the same as in the previous quarter.

 

Major schemes and their interest rates

Sukanya Samriddhi Yojana (SSY): Interest rate of 8.2 percent, which is for the education and marriage of girls.

PPF: Annual interest rate of 7.1 percent, which is people’s choice for long term savings.

Kisan Vikas Patra (KVP): Promises to double the investment in 115 months at an interest rate of 7.5 percent.

SCSS: Interest rate of 8.2 percent, which is a better option of safe investment for senior citizens.

Mahila Samman Savings Certificate: Interest rate of 7.5 percent, it is specially designed for women.

NSC: Interest rate of 7.7 percent, which is good for medium-term investors.

Post Office FD: Offers interest rates ranging from 6.9 per cent to 7.5 per cent for tenures of 1 to 5 years.

Experts say that due to global and domestic economic stability, inflation level, and the monetary policy of the Reserve Bank, there was no need to change the interest rates. At the same time, stable interest rates provide certainty to investors, especially those who prefer investment without taking risk.

PPF is the most popular scheme

PPF is popular among the middle class and senior citizens. Apart from safe returns, it also offers tax benefits. Schemes like PPF and SSY offer tax exemption under section 80C of the Income Tax Act.