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Latest Small Savings Interest rates Oct-Dec 2025 FY 2025-26
Post Office Small Savings Schemes Latest Interest Rate October-December 2025: The authorities has kept the involvement rates for each tiny savings schemes, besides popularly known arsenic station bureau savings schemes, unchanged for the October to December 2025 quarter.
This means that you volition proceed to gain the aforesaid involvement complaint connected schemes similar Public Provident Fund (PPF), Senior Citizens Savings Scheme (SCSS), National Savings Certificate, Kisan Vikas Patra, and Sukanya Samriddhi Yojana.The involvement rates for these schemes, which are chiefly managed by station offices and banks, person been unchanged for respective quarters now. The past adjustments to definite schemes were made successful the 4th fourth of 2023-24.
The authorities maintains its signifier of declaring involvement rates for tiny savings schemes connected a quarterly basis.As per the latest notification, the authorities has maintained the involvement rates for cardinal savings instruments, with the Public Provident Fund (PPF) offering 7.1%, whilst the National Savings Certificate yields 7.7%. Both the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) present 8.2% returns.
These tiny savings schemes are commonly referred to arsenic station bureau schemes.
Latest Post Office Savings Scheme Interest Rates: October-December 2025
| Instrument | Rate of involvement from July to September 2025 (%) |
| Post Office 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 Recurring Deposit | 6.7 |
| Senior Citizen Savings Scheme | 8.2 |
| Monthly Income Account Scheme | 7.4 |
| National Savings Certificate | 7.7 |
| Public Provident Fund Scheme | 7.1 |
| Kisan Vikas Patra | 7.5 (Will mature successful 115 months) |
| Sukanya Samriddhi Account | 8.2 |
A circular released by the Department of Economic Affairs, operating nether the Finance Ministry, confirmed these rates connected September 30, 2025.Post Office Savings Scheme rates are determined according to the Shyamala Gopinath Committee framework. These guidelines stipulate that tiny savings instruments' returns should correspond to secondary marketplace yields connected comparable Central Government Securities, incorporating a supplementary borderline of 25 ground points.The computation of involvement rates for 5-year clip deposits should reflector the secondary marketplace show of 5-year G-secs, with an further 25 ground points.Whilst the prescribed methodology indicates that falling repo rates and enslaved yields should trigger proportional decreases successful tiny savings rates to support marketplace alignment, the government's eventual determinations sometimes deviate from these precise numerical computations.
