The government on Monday kept interest rates unchanged for various small savings schemes, including PPF and NSC, for the sixth quarter starting from July 1, 2025. According to a notification from the Ministry of Finance, the interest rates for different small savings schemes will remain the same for the second quarter of the financial year 2025–26 (from July 1 to September 30, 2025).
Interest Rates for Various Schemes:
As per the notification, the interest rate on deposits under the Sukanya Samriddhi Yojana will remain at 8.2%, while the three-year fixed deposit will continue to offer 7.1% interest, same as the current quarter. The interest rates for the popular Public Provident Fund (PPF) and Post Office Savings Account remain unchanged at 7.1% and 4%, respectively.
The Kisan Vikas Patra (KVP) will offer an interest rate of 7.5%, with maturity in 115 months. The National Savings Certificate (NSC) will continue to offer 7.7% interest for the April–June 2025 quarter. Additionally, the Monthly Income Scheme (MIS) will provide 7.4% interest, similar to the current quarter.
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This marks the fifth consecutive quarter with no changes in interest rates for small savings schemes operated by post offices and banks. The last revision in rates was made for a few schemes during the fourth quarter of 2023–24. The government notifies interest rates on small savings schemes at the beginning of each quarter.