Get the latest small savings schemes interest rates for Q2 FY 2025 (July to September). Compare PPF, NSC, SCSS, Sukanya Samriddhi & more government-backed options.
Small Savings Schemes Interest Rates July–September 2025 | Latest Govt Rates
Latest Small Savings Interest Rates (Q2 FY 2025: July–September)
(As per Ministry of Finance Notification)
| Scheme Name | Interest Rate (Annual) | Compounding | Lock-in Period |
|---|---|---|---|
| Public Provident Fund (PPF) | 7.1% | Annual | 15 years |
| National Savings Certificate (NSC) | 7.7% | Annual | 5 years |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | Annual | Until age 21 or marriage |
| Senior Citizens Savings Scheme (SCSS) | 8.2% | Quarterly | 5 years |
| Kisan Vikas Patra (KVP) | 7.5% (maturity in 115 months) | Compounded Annually | 9 years 7 months |
| Monthly Income Scheme (MIS) | 7.4% | Monthly | 5 years |
| Post Office Time Deposit (1-Year) | 6.9% | Quarterly | 1 year |
| Post Office Time Deposit (2-Year) | 7.0% | Quarterly | 2 years |
| Post Office Time Deposit (3-Year) | 7.1% | Quarterly | 3 years |
| Post Office Time Deposit (5-Year) | 7.5% | Quarterly | 5 years |
| 5-Year RD (Recurring Deposit) | 7.1% | Quarterly | 5 years |
🏛️ Source: Ministry of Finance notification, India Post Official Website
📆 Effective Period: July 1, 2025 – September 30, 2025
What are Small Savings Schemes?
These are government-backed investment options meant to encourage savings among Indian citizens — especially for retired, rural, and low-risk investors.
Benefits include:
- Assured returns
- Tax benefits (under Sec 80C)
- Sovereign guarantee
- Wide post office availability
Top Picks Based on Goals
| Goal | Recommended Scheme |
|---|---|
| Tax saving + long term | PPF, NSC |
| Girl child investment | Sukanya Samriddhi Yojana |
| Monthly income (senior citizens) | SCSS, MIS |
| Safe child planning | PPF + SSY combo |
| Capital growth | KVP, 5-Year TD |
FAQ’s
✅ Are small savings schemes interest rates fixed?
No. They are revised quarterly by the Ministry of Finance based on prevailing bond yields.
✅ Is PPF interest taxable?
No. PPF interest and maturity amount are completely tax-free under the EEE (Exempt-Exempt-Exempt) category.
✅ How safe are India Post saving schemes?
They are sovereign-backed, meaning the Government of India guarantees your principal and interest.
✅ Can NRIs invest in these schemes?
Most schemes like PPF, NSC, SSY are not open to NRIs.
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Last Updated on Tuesday, July 1, 2025 4:42 pm by Admin
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