The Ministry of Finance is set to announcefor various small saving schemes on September 30, 2025.
This includes popular options such as the Public Provident Fund (PPF), National Savings Certificate (NSC), Senior Citizens’ Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), Post Office Savings Account (POSA), Kisan Vikas Patra (KVP), Post Office Monthly Income Scheme (POMIS), and Post Office Time Deposits (FDs) for the October–December quarter of FY 2025–26.
For the last quarter, the government had kept most interest rates unchanged, marking the sixth consecutive quarter without changes.
Designed to secure the financial future of a girl child, the SSY continues to offer 8.2% per annum for the July–September quarter of 2025–26.
The interest is compounded annually, making it an attractive long-term investment option for parents and guardians.
The PPF remains at 7.1% per annum, with interest compounded annually. This long-term savings scheme is widely used by individuals planning for retirement or creating a safe investment corpus.
For senior citizens, the SCSS remains a high-yield option at 8.2% per annum, with interest paid quarterly. It is a popular choice for those seeking a steady income after retirement.
The NSC continues to offer 7.7% per annum, while Post Office Fixed Deposits range from 7.1% for three years to 7.5% for five years, depending on the tenure.
Ideal for investors looking for a regular monthly income, POMIS offers 7.4% per annum, paid monthly. It is suitable for retirees or anyone looking for consistent cash flow.
With the interest rate announcement due on September 30, savers and investors are keeping a close watch. These small saving schemes continue to be a reliable, government-backed option for Indians seeking stability and long-term returns.