PPF, NSC, SSA, SCSS & Other Post Office Saving Scheme Interest Rates Remain Unchanged After Repo Rate Decision

The government made a crucial announcement regarding Post Office small savings schemes after the review meeting on Tuesday. Will the interest rates hold steady or will they dip following the Reserve Bank of India's multiple repo rate cuts this year? The answer came as a relief to millions of savers nationwide that no changes in interest rates for the upcoming quarter. But what does this mean for your savings?

No Changes in Interest Rates of PPF, NSC, SCSS & Other Savings Schemes

The government announced on September 30, 2025, that the interest rates on Post Office small savings schemes will remain unchanged for the October to December quarter of the financial year 2025-26. This decision means that popular schemes like the Public Provident Fund (PPF), National Savings Certificate (NSC), Senior Citizens Savings Scheme (SCSS) and others will continue to offer the same interest rates as in the previous quarter.

Post Office Small Savings Interest Rates Unchanged for Oct-Dec 2025 Despite RBI Repo Rate Cuts

According to the Finance Ministry notification, the interest rates applicable from October 1 to December 31, 2025, will be the same as those for the July to September 2025 quarter. The government has maintained the rates despite multiple cuts in the Reserve Bank of India's repo rate this year, which have led to reduced fixed deposit rates at banks. This move is expected to benefit millions of small savers and households who rely on these schemes for stable and secure returns.

Sukanya Samriddhi Yojana and Senior Citizen Savings Scheme Interest Rates

The interest rate for the Sukanya Samriddhi Yojana (SSY) remains at 8.2%, while the three-year time deposit continues to offer 7.1% interest. Other schemes, including the PPF and NSC, have also maintained their previous rates of 7.1% and 7.7% respectively. The Senior Citizens Savings Scheme continues to provide an attractive rate of 8.2% per annum.

The last revision in the interest rates of small savings schemes was made in the January to March 2024 quarter when the government increased the rate on three-year time deposits from 7% to 7.1% and raised the Sukanya Samriddhi Yojana rate from 8% to 8.2%. Since then, most other schemes have seen stable interest rates.

Here are the current Post Office Savings Scheme Interest Rates (per annum) as per the official website:

• Savings Deposit - 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%
• Senior Citizens Savings Scheme (SCSS) - 8.2%
• Monthly Income Account Scheme - 7.4%
• National Savings Certificate (NSC) - 7.7%
• Public Provident Fund (PPF) - 7.1%
• Kisan Vikas Patra (Maturity in 115 months) - 7.5%
• Sukanya Samriddhi Account (SSA) - 8.2%

Small savings schemes continue to be popular among Indian investors as they offer guaranteed returns backed by the government. With bank fixed deposit rates declining due to RBI's rate cuts, these schemes serve as a safer and more reliable investment option for pensioners, middle-class families, and conservative investors.

The government's decision to keep the rates steady is expected to provide reassurance to savers, ensuring that their earnings from these schemes remain protected despite the changing economic scenario. The unchanged rates will be effective from October 1, 2025, and remain valid until December 31, 2025.