Small Savings Scheme Rates 2025
ЁЯУК Small Savings Scheme Rates (Q2 FY 2025‑26) Scheme Interest Rate Public Provident Fund (PPF) 7.1% Sukanya Samriddhi Yojana (SSY) 8.2% Senior Citizens Savings Scheme (SCSS) 8.2% National Savings Certificate (NSC) 7.7% Post Office 3‑Year Term Deposit 7.1% Post Office FD (5‑Year) 7.5% Post Office Monthly Income Scheme (POMIS) 7.4% Kisan Vikas Patra (KVP) 7.5% (doubles in ~115 months) Post Office Savings Account 4.0% These rates are unchanged from the April–June quarter ЁЯФН Context & Insights As of June 30, 2025, the government decided not to adjust these rates for the July–September quarter, marking the sixth consecutive quarter with no changes Although the RBI has cut the benchmark repo rate by 1% this year—and banks have responded with lower deposit rates—the small savings schemes have remained unchanged to preserve stability and confidence for retail savers These rates are typically benchmarked to government bond yields plus a small spread, as per the Shyamala Gop...