The government has decided to maintain the status quo on small savings scheme interest rates for the October–December 2025 quarter.

According to the Finance Ministry’s Department of Economic Affairs circular issued on September 30, rates on popular savings instruments remain unchanged from the previous quarter.

The Public Provident Fund (PPF) continues to offer 7.1%, while the National Savings Certificate (NSC) holds at 7.7%. Senior Citizens Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) remain the highest-yielding options at 8.2%.

For time deposits, the rates stand at 6.9% for one year, 7% for two years, 7.1% for three years, and 7.5% for five years. The Post Office Monthly Income Scheme continues at 7.4%, while the 5-Year Recurring Deposit stays at 6.7%. Kisan Vikas Patra (KVP) continues to offer 7.5%, maturing in 115 months (around 9.7 years). The Post Office Savings Deposit remains the lowest at 4%.

These interest rates, managed by India Post and select banks, are reviewed quarterly. However, there have been no significant revisions for several quarters now. The last major adjustment was in the final quarter of FY 2023–24.