In a relief for crores of depositors who have parked their money in a range of small savings schemes, the government has decided to keep interest rates unchanged for the July-September quarter.

This is a relief for subscribers of Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizens Savings Scheme (SCSS), Post Office FD, Post Office Monthly Income Scheme (POMIS), and National Savings Certificate (NSC), as it was widely expected that the government might cut the rates after maintaining the status quo for five straight quarters.

“The rates of interest on various Small Savings Schemes for the second quarter of FY 2025-26, starting from 1st July, 2025, and ending on 30th September, 2025, shall remain unchanged from those notified for the first quarter (1st April, 2025, to 30th June, 2025) of FY 2025-26,” the finance ministry said in a notification.

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Check the latest rates of all the above-mentioned small savings schemes:

Sukanya Samriddhi Yojana (SSY): The scheme continues to offer one of the highest returns at 8.2%, making it a great choice your girl child.

Post Office Term Deposits: A 3 year Post Office Term Deposit will earn you 7.1% interest — steady and safe as before.

Public Provident Fund (PPF): PPF rate remains unchanged at 7.1%.

Post Office Savings Account: The post office will continue to offer 4% rate.

Kisan Vikas Patra (KVP): KVP will give you 7.5%, with your money doubling in 115 months.

National Savings Certificate (NSC): It offers 7.7%, ideal for risk-averse investors looking for fixed returns.

Post Office Monthly Income Scheme (POMIS): The scheme will continue to fetch 7.4%, perfect if you’re looking for regular income.

Note: The government reviews and updates these interest rates every quarter. These are linked to market trends and follow the formula recommended by the Shyamala Gopinath Committee.

So, whether you’re saving for your child’s education, planning your retirement, or just want safer returns, small savings schemes remain a reliable option.