Small savings interest rates from October to December 2025: What do Post Office and banks offer? FAQs here
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5 min read | Updated on October 09, 2025, 10:14 IST
SUMMARY
Latest small savings interest rates: The Finance Ministry announced the small savings schemes interest rates for October-December quarter of FY 2025-26. The rates are unchanged. This blog lists interest rates of all small savings schemes like PPF, SCSS, NSC, SSY, KVP, Post Office Savings Account, Time Deposit and Recurring Deposit and FAQs.
Small savings schemes interest rates for October-December 2025 were announced today. | Image source: Shutterstock
Small savings scheme interest rates: No change for 6th consecutive quarter
With the announcement of no change, the interest rates on small savings schemes have been left unchanged for the sixth consecutive quarter. These schemes are mainly operated by post offices and banks. The government had last made changes in some schemes for the fourth quarter of 2023-24. The Finance Ministry notifies interest rates on small savings schemes every quarter (PTI).
October 01, 2025, 09:34 AM
Sukanya Samriddhi Yojana account: What is the SSY interest rate for October-December 2025?
The SSY account scheme for girl child will continue to offere 8.2% interest, which is higher than most fixed deposit interest rates offered by top banks like State Bank of India, HDFC Bank, ICICI Bank, Bank of Baroda, Punjab National Bank, and others. The SSY interest rate has remained unchanged at 8.2% since April 1, 2024 (Read more)September 30, 2025, 19:55 PM
Post Office Savings Account: What is POSA interest rate for October-December 2025?
There is no change in the interest rate for Post Office Savings Accounts (POSA). However, the interest rate offered to POSA depositors is higher than the savings account interest rates offered by banks like SBI and HDFC Bank. POSA interest rate has remained unchanged at 4% since December 1, 2011. (Read more)September 30, 2025, 19:49 PM
Kisan Vikas Patra: What is the interest rate for KVP account in October-December 2025?
Kisan Vikas Patra (KVP) interest rate for October-December 2025 was announced today with no change. The KVP scheme helps millions of depositors double their money in 9 years 7 months with a sovereign guarantee. Any amount invested in KVP doubles in 115 months (9 years and 7 months). The amount once deposited in KVP can be withdrawn only on maturity. However, premature closure is allowed in some conditions. (Read details)September 30, 2025, 19:17 PM
Small savings schemes: What are the rates for NSC, KVP, MIS now?
The interest rate on the Kisan Vikas Patra will be 7.5 per cent, and the investments will mature in 115 months. The interest rate on the National Savings Certificate (NSC) will remain at 7.7 per cent for the October-December 2025 period.
Like the current quarter, the monthly income scheme will earn 7.4 per cent for investors during the third quarter of the current fiscal.
October 01, 2025, 09:34 AM
Post Office Recurring Deposit: What is the interest rate for October-December 2025?
No change in Post Office Recurring Deposit interest rate for October-December 2025. Currently, the Post Office RD account is offering 6.7% interest. According to the Post Office website, deposits under Post Office RD mature after 5 years from the date of opening. (Read more)September 30, 2025, 18:48 PM
NSC interest rate October 2025: What was announced today?
The Finance Ministry has announced no change in the NSC interest rate for the October-December quarter of FY 2025-26 today (September 30, 2025). The NSC accounts can be opened in a post office. The NSC scheme is offering 7.7% interest compounded annually, which is paid to investors on maturity. Earlier, the Ministry had kept the NSC interest rate unchanged for the July-September quarter. (Read more)September 30, 2025, 18:35 PM
Post Office Time Deposit: What are the interest rates now?
The Post Office is offering time deposits in four tenures, with the maximum interest rate of 7.5%. The interest rates for all four tenures of Post Office TDs are below:
1-year Post Office Time Deposit: 6.9%
2-year Post Office Time Deposit: 7%
3-year Post Office Time Deposit: 7.1%
5-year Post Office Time Deposit: 7.5%
The deposit amount under Post Office TD is repayable after the expiry of 1 year, 2 years, 3 years and 5 years, as the case may be, from the date of opening. Read moreSeptember 30, 2025, 18:28 PM
PPF account interest rate: What do you get now?
Public Provident Fund account interest for the October-December 2025 quarter of FY 2025-26 has been announced by the Finance Ministry today (September 30, 2025). There is no change in the rate. The PPF account is currently offering 7.1% interest compounded annually. For the July-September quarter also, the Government had kept the PPF interest rate unchanged. (read more details about the scheme)October 01, 2025, 09:34 AM
SCSS interest rate Live: What do senior citizens get now?
SCSS interest rate October-December 2025: The Finance Ministry has kept the Senior Citizen Savings Scheme (SCSS) interest rate unchanged at 8.2% for the October-December quarter of FY 2025-26.
SCSS is a small savings scheme for senior citizens. The scheme is offering 8.2% interest, which is higher than most fixed deposit interest rates offered by top banks like State Bank of India, HDFC Bank, ICICI Bank, Bank of Baroda, Punjab National Bank and others. (Read more)September 30, 2025, 18:05 PM
Small savings schemes: What are the rates for SSY, PPF POSA?
As per the notification, deposits under the Sukanya Samriddhi Yojana (SSY) will attract an interest rate of 8.2 per cent, while the rate on a three-year term deposit remains at 7.1 per cent prevailing in the current quarter. The interest rates for popular Public Provident Fund (PPF) and post office savings account (POSA), too, have been retained at 7.1 per cent and 4 per cent, respectively.
October 01, 2025, 09:34 AM
Small savings rates Live: Govt keeps interest rates unchanged
The government on Tuesday left interest rates unchanged for various small savings schemes, including PPF and NSC, for the seventh straight quarter beginning October 1, 2025. "The rates of interest on various Small Savings Schemes for the third quarter of FY 2025-26, starting from 1st October, 2025 and ending on 31st December, 2025 shall remain unchanged from those notified for the second quarter (1st July, 2025 to 30th September, 2025) of FY 2025-26," the finance ministry said in a notification. (PTI)
September 30, 2025, 17:49 PM
Small savings interest rate: How are POSA accounts affected by interest rate changes?
A change in the Post Office Savings Account (POSA) interest rate typically does not affect existing deposits. However it will affect new deposits and new accounts opened after the rate change. Read moreOctober 01, 2025, 09:34 AM
Small savings Live: Are existing RD accounts affected by interest rate change?
No. A change in the Post Recurring Deposit (RD) interest rate does not affect the existing deposits. However, new accounts can be affected depending on whether the interest rate has been increased or decreased. Read moreSeptember 30, 2025, 16:28 PM
PPF interest rate: How is it decided
The PPF interest rates are decided as per the recommendations of the Shyamala Gopinath Committee. The rate is linked to the average yield on 10-year government securities (G-Secs) from the previous quarter, plus a spread of 25 basis points.
The average yield on 10-year G-Secs was between 6.32% and 6.54% during the July-September quarter. If we apply the formula, then the new PPF rate works out to be 6.57% and 6.79%, which is significantly lower than the current rate of 7.1%. However, the Government doesn't strictly follow the recommendations (Read more).September 30, 2025, 14:57 PM
Small saving schemes interest rates for October-December 2025: How are the rates decided?
The Government decides interest rates for small savings schemes, such as SCSS, based on the recommendations of the Shyamala Gopinath Committee.
The Committee was set up in 2010. It had recommended to consider the secondary market yield of Central Government Securities (G-Sec) of comparable maturities along with a 0.25% spread for deciding the interest rates for various small savings schemes.
September 30, 2025, 14:09 PM
Live: Small savings schemes interest rates for October-December 2025 to be announced today
The Finance Ministry may announce the small savings schemes interest rates for the October-December quarter of FY 2025-26 today. In this blog, we are tracking all key updates on interest rates of all small savings schemes like PPF, SCSS, NSC, SSY, KVP, Post Office Savings Account, Time Deposit and Recurring Deposit.
September 30, 2025, 13:58 PM
