Small Savings Scheme Interest Rates to Be Announced Next Week, Will There Be a Cut? Small Saving Scheme Interest Rate: The government will decide the interest rate of small savings schemes. The interest rate of small savings schemes can be announced in the last week of December. The Finance Ministry will review the interest rates of post office small savings schemes like Public Provident Fund (PPF), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSA) and Senior Citizen Savings Scheme (SCSS) for the period from January 1 to March 31, 2026 on December 31, 2025.
It is believed that this time the interest rates may be reduced.The interest rates on the government’s small savings schemes, such as the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), National Savings Certificate (NSC), and Kisan Vikas Patra (KVP), were last unchanged for the October-December 2025 quarter.
The interest rates on these schemes remain unchanged and have not been reduced. The interest rates on post office small savings schemes were last revised for the January-March 2024 quarter.Current interest rates for the July-September 2025 quarter1 year time deposit – 6.9%2-year time deposit – 7%3-year time deposit – 7.1%5-year time deposit – 7.5%5-year RD – 6.7%Senior Citizen Savings Scheme – 8.2%Monthly Income Scheme – 7.4%NSC – 7.7%PPF – 7.1%Kisan Vikas Patra – 7.5% (Maturity 115 months)Sukanya Samriddhi Account – 8.2%Impact on investorsMillions of people across the country, especially senior citizens, pensioners, and middle-class families, invest in small savings schemes. If interest rates fall, their income will be directly affected. However, the government doesn’t always make decisions based solely on a formula.