Small-Savings Rates Unchanged for July–September Quarter
The Government of India has decided to maintain steady interest rates on key small-savings schemes—including Public Provident Fund (PPF), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), along with various post‑office Time and Recurring Deposits, Kisan Vikas Patra, Monthly Income Scheme (MIS), and Savings Accounts—for the July–September 2025 quarter.
Stable Returns for Investors
- PPF: 7.10%
- NSC: 7.70%
- SSY & SCSS: 8.20%
- Time Deposits: 6.90% (1 year) to 7.50% (5 years)
- Recurring Deposits: 6.70%
- Monthly Income Scheme: 7.40%
- Post‑Office Savings Account: 4.00%
These rates remain unchanged for the sixth consecutive quarter despite the Reserve Bank of India’s recent repo rate cut, offering assured, low-risk returns for investors.
Why This Matters
- Provides predictable income for retirees and conservative investors.
- SSY and SCSS offer attractive options for parents and senior citizens.
- Suitable for systematic planners, especially with PPF’s tax-free environment and long-term benefits.
Looking Ahead
With interest rates stabilised, small-savings investors can count on consistent income this quarter. Though future trends may shift with central bank policy, the current environment supports financial planning confidence and reflects government commitment to safeguarding retail savings.
