Post Office: No Change in Small Savings Interest Rates for July to September 2025 Quarter

Post Office Saving Schemes: If you have invested in Post Office Small Savings Schemes, such as PPF, Sukanya Samriddhi Yojana, or National Savings Certificate (NSC), then this news is for you! The government has announced the latest interest rates for these schemes. This time, it has also been decided not to change the interest rates; these rates will remain the same as before. This is the sixth consecutive quarter when the interest rates of these schemes have been kept stable.

The Finance Ministry issued a notification stating, “The interest rates on various small savings schemes will remain unchanged in the quarter starting from 1 July 2025 and ending on 30 September 2025. These schemes will continue to get the same interest rate which was notified for the April-June quarter of the financial year 2025-26.”

What are the current interest rates?

The interest rates currently applicable to small savings schemes will continue to be the same. Here’s a detailed look:

Sukanya Samriddhi Yojana (SSY):- This popular scheme to secure the future of daughters is getting 8.2% interest. This rate will remain the same as before, which makes it an attractive investment option.

Public Provident Fund (PPF):- PPF, a favorite for long-term savings, will get 7.1% interest. This rate has also been kept stable.

National Savings Certificate (NSC):- NSC, which is the best for safe investment along with tax savings, will get a 7.7% interest rate.

Kisan Vikas Patra (KVP):- This scheme is getting a 7.5% interest rate and its maturity period is 115 months (about 9 years 7 months).

Monthly Income Scheme (MIS):- For those seeking monthly income, MIS will continue to get a 7.4% interest rate.

Post Office Saving Account:- 4% interest is being given on the savings account.

3-Year Fixed Deposit:- 7.1% interest will be available on a 3-year fixed deposit in the post office.

These rates ensure that your investment remains safe and you keep getting good returns even if there is no change in the rates.

A review is done every 3 months

Let us tell you that the interest rates of small savings schemes are reviewed by the government every quarter. The last time the rates of some schemes were changed was in the fourth quarter (January-March 2024) of the financial year 2023-24. There has been no change in these rates since then. The government usually fixes these rates keeping in mind factors such as bank deposit rates and inflation situation. The decision to keep interest rates stable has been taken with the aim of providing stability to the current economic conditions and investors.