Date: July 1, 2025
The Indian government has kept the interest rates unchanged for popular post office savings schemes such as the Public Provident Fund (PPF), National Savings Certificate (NSC), Senior Citizen Savings Scheme (SCSS), and Sukanya Samriddhi Yojana (SSY) for the quarter July to September 2025.
This decision comes even after the Reserve Bank of India (RBI) recently reduced the repo rate by 1%, which usually leads to a cut in deposit rates. However, the government has chosen to maintain the current rates to support small savers and provide income stability.
Interest Rates from July to September 2025
| Scheme | Interest Rate (Per Annum) |
|---|---|
| Public Provident Fund (PPF) | 7.1% |
| National Savings Certificate (NSC) | 7.7% |
| Sukanya Samriddhi Yojana (SSY) | 8.2% |
| Senior Citizen Savings Scheme (SCSS) | 8.2% |
| Post Office Savings Account | 4.0% |
| 1-Year Time Deposit | 6.9% |
| 2-Year Time Deposit | 7.0% |
| 3-Year Time Deposit | 7.1% |
| 5-Year Time Deposit | 7.5% |
| 5-Year Recurring Deposit | 6.7% |
| Monthly Income Scheme (MIS) | 7.4% |
| RBI Floating Rate Savings Bond | 8.05% |
What It Means for You
The returns from your PPF, NSC, SSY, and SCSS will remain the same this quarter.
These schemes continue to be safe and stable options for people who want guaranteed returns.
Even though the RBI has reduced the interest rate on loans and deposits, the small savings scheme rates are protected — at least for now.
Key Takeaways
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No change in interest gives more confidence to small investors.
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It’s a good time to lock in your investments if you’re planning to save for the long term.
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These schemes are ideal for low-risk investors, especially those planning for retirement or their children’s future.
Disclaimer: This article is for information purposes only. We are not SEBI-registered financial advisors. Please consult a certified advisor before making any investment decisions.