Small Savings Scheme Interest Rate: The government will decide the interest rate for small savings schemes. The interest rate for small savings schemes may be announced in the last week of December.
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Small Saving Scheme Interest Rate: The government will decide the interest rate for small savings schemes. The government is expected to announce the interest rates for small savings schemes in the last week of December. The Finance Ministry will review the interest rates on post office small savings schemes, such as the 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 interest rates may be reduced this time.
No change last time
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 unchanged for the quarter from October to December 2025. The interest rates on these schemes remain unchanged and have not been reduced. Post Office small savings scheme interest rates were last revised in the January-March 2024 quarter.
Current interest rates for the July-September 2025 quarter
Savings Deposit – 4%
1-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 Investors
Millions 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 does not always make decisions based solely on a formula.
