Small Savings Interest Rates: Check PPF, Sukanya Samriddhi, National Savings & other Post Office Schemes Rate

The central government has decided to keep the interest rates on small savings schemes unchanged for the April-June 2025 quarter. They are popularly known as Post office saving schemes, including the Public Provident Fund (PPF), Sukanya Samriddhi Yojana, National Savings Certificates (NSC), Senior Citizens' Saving Scheme (SCSS), Kisan Vikas Patra(KVP), and several recurring and fixed deposit schemes. The decision marks the fifth consecutive quarter, starting from April 1, 2025, where the interest rates on these schemes have remained the same.

According to a notification released by The Department of Economic Affairs, the Ministry of Finance (MoF) on March 28, 2025 (Friday), the interest rates for these small savings schemes or post office saving schemes will remain unchanged for the first quarter of the next fiscal year, which begins from April 1, 2025.

The Finance Ministry notification said, "The rates of interest on various Small Savings Schemes for the first quarter of FY 2025-26 starting from 1st April, 2025 and ending on 30th June, 2025 shall remain unchanged from those notified for the fourth quarter (1st January, 2025 to 31st March, 2025) of FY 2024-25."

The PPF Scheme will continue to offer an interest rate of 7.1%, while the NSC will continue to offer an interest rate of 7.7%. Other schemes, like the Senior Citizen Savings Scheme and the Sukanya Samriddhi Yojana, would continue to have interest rates of 8.2 percent each.

Interest rates for different time periods of deposits range from 7.5% for five-year deposits to 6.9% for one-year deposits, as per the notification.

Interest Rates on Savings Schemes for April-June 2025

Here are the interest rates for various small savings schemes for the April-June 2025 quarter. These rates offer a range of returns depending on the scheme are as below:
- Savings Schemes Interest Rates for April-June 2025
- Public Provident Fund (PPF): 7.1 %
- National Savings Certificate (NSC): 7.7%
- Sukanya Samriddhi Yojana: 8.2 %
- Senior Citizens' Saving Scheme (SCSS): 8.2 %
- Post Office Savings Account: 4 %
- Post Office Recurring Deposit: 6.7 %
- Post Office Time Deposit for 2 years: 7 %
- Post Office Time Deposit for 3 years: 7.1 %
- Post Office Monthly Income Scheme: 7.4 %
- Post Office Time Deposit for 1 year: 6.9%
- Post Office Time Deposit for 5 years: 7.5 %
- Kisan Vikas Patra (KVP): 7.5 %

When Did Interest Rates Last Change?

Since April 2024, the interest rates for small savings plans have remained unchanged. The interest rates for post office schemes were last revised in the final quarter of FY 2023-24, between January and March 2024. During that period, the government increased the interest rates for the 3-year time deposit and SSY. The rate for the 3-year time deposit rose from 7% to 7.1%, while the SSY rate was increased from 8% to 8.2%. The interest rates for other schemes remained unchanged.

The union government monitors and adjusts interest rates on these plans every three months, depending on the economic and market conditions. Mostly, Banks and post offices manage these small saving schemes to provide easily accessible saving options to the people across the country.