Government of India, through the Ministry of Finance, has announced that interest rates on various Small Savings Schemes will remain unchanged for the third quarter of the financial year 2025–26, covering the period from October 1, 2025, to December 31, 2025. This decision was communicated via Office Memorandum dated September 30, 2025, and circulated to all Head of Circles/Regions by the Department of Posts. As per the notification, all schemes will continue with the same rates applicable during the second quarter (July–September 2025). Accordingly, the Savings Deposit remains at 4%, one-year and two-year time deposits at 6.9% and 7.0% respectively, and the three-year time deposit continues at 7.0%. The five-year time deposit stands at 7.5%, and the five-year recurring deposit remains at 6.7%. Among the popular schemes, the Senior Citizen Savings Scheme holds steady at 8.2%, Monthly Income Account at 7.4%, National Savings Certificate at 7.7%, and Public Provident Fund at 7.1%. Kisan Vikas Patra will continue at 7.5% with maturity in 115 months. Notably, the Sukanya Samriddhi Yojana sees no hike and will continue at 8.0%, unchanged from the last quarter where it was marginally reduced from 8.2%. The notification clarifies that no revisions have been made, ensuring stability for investors while providing consistent returns across all categories. The unchanged rates reflect the government’s strategy to balance investor interest with broader economic considerations. Post offices and financial institutions have been instructed to display the updated rate chart prominently for public awareness.
Revised Small Savings Schemes Interest Rate Table for 1st July 2025 to 31st December 2025
| Instrument | Rates of interest from 01.10.2025 to 31.12.2025 | Rates of interest from 01.07.2025 to 30.09.2025 |
| Savings Deposit | 4.0 | 4.0 |
| 1 Year Time Deposit | 6.9 | 6.9 |
| 2 Year Time Deposit | 7.0 | 7.0 |
| 3 Year Time Deposit | 7.0 | 7.1 |
| 5 Year Time Deposit | 7.5 | 7.5 |
| 5 Year Recurring Deposit | .6.7 | 6.7 |
| Senior Citizen Savings Scheme | 8.2 | 8.2 |
| Monthly Income Account Scheme | 7.4 | 7.4 |
| National Savings Certificate | 7.7 | 7.7 |
| Public Provident Fund Scheme | 7.1 | 7.1 |
| Kisan Vikas Patra | 7.5 (will mature in 115 months) | 7.5 (will mature in 115 months) |
| Sukanya Samriddhi Account Scheme |
8.0 | 8.2 |
F. No 113-03/2024
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)
Dak Bhawan, New Delhi — 110001
SB Order No. 14 /2025|dated: 30.09.2025
To
All Head of Circles/Regions
Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.10.2025
Madam / Sir,
The undersigned is directed to intimate that, vide memorandum No. 1/4/2019-NS dated 30.09.2025 (copy enclosed), Government of India, Ministry of Finance, Department of Economic Affairs (Budget Division) has informed that the rates of interest on various Small Savings Schemes (National Savings Schemes) for the third quarter of financial year 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.
2. It is requested to circulate it to all concerned for information and necessary guidance. This may also be placed on the notice board of all Post Offices in public area.
3. This issues with the approval of the Competent Authority.
(P Ajit Kumar)
Assistant Director (SB-I)
Copy to: –
1. PPS to Secretary (Posts)
2. PS to Director General Postal Services
3. PPS/ PS to Member (Financial Services)/Member (0)/Member (P)/ Member (HRD)/ Member (Tech)/ Member (Service Quality and Marketing), Member (Infrastructure), AS & FA
4. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate.
6. CGM, CEPT for kind information and necessary action.
7. Sr. Deputy Director General (Vig) & CVO) / Sr. Deputy Director General (PAF)
8. Director, RAKNPA / Directors of all PTCs
9. Director General P & T (Audit), Civil Lines, New Delhi
10. Secretary, Postal Services Board / All Deputy Directors General
11. All General Managers (Finance) / Directors Postal Accounts / DDAP
12. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
13. The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.
14. All recognized Federations / Unions / Associations
15. Guard File/e-File.
(P Ajit Kumar)
Assistant Director (SB-I)
F.No.1/4/2019-NS
Government of India
Ministry of Finance
Department of Economic Affairs
(Budget Division)
North Block, New Delhi
Dated: 30.09.2025
OFFICE MEMORANDUM
Subject: Revision of interest rates for Small Savings Schemes – reg.
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.
2. This has the approval of the competent authority.
(Masroor Ahmad)
Deputy Secretary (Budget)
Tele — 01124013082
To,
1.The Secretary,
Department of Expenditure
North Block, New Delhi
2. The Secretary,
Department of Posts
Dak Bhawan, New Delhi.
3. The Secretary
Department of Financial Services,
Jeevan Deep Building, New Delhi.
4. The Secretary,
Department of Revenue
North Block, New Delhi
2. The Secretary,
Department of Economic Affairs
North Block, New Delhi.
5. The Secretary,
Department of Economic Affairs
North Block, New Delhi.
6. The Chief General Manager
(DGBA), Reserve Bank of India,
Central Office, Mumbai.
7. The Reserve Bank of India, Central
Account Section, Additional Office Building,
East High Court Road,
Civil Lines,
P.B. No.15, Nagpur —440 001.
8. Chief Secretaries of States / UT Government.
9. The Joint Director
National Savings Institute, New Delhi.
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