Government of India, Ministry of Finance (Department of Economic Affairs), through Office Memorandum dated 31 December 2025, has announced that the interest rates on all Small Savings Schemes for the fourth quarter of FY 2025–26 (1 January 2026 to 31 March 2026) will remain unchanged from those applicable in the third quarter (1 October 2025 to 31 December 2025).
Accordingly, rates such as 4.0% on Savings Deposits, 6.9% to 7.5% on Time Deposits, 6.7% on 5-Year Recurring Deposits, 8.2% under the Senior Citizen Savings Scheme, 7.4% under the Monthly Income Account Scheme, 7.7% for National Savings Certificates, 7.1% for Public Provident Fund, 8.2% for Sukanya Samriddhi Account Scheme and 7.5% for Kisan Vikas Patra (maturing in 115 months) continue without change.
The decision has been approved by the Competent Authority and formally communicated by the Budget Division of the Ministry of Finance.
Revised Small Savings Schemes Interest Rate Table
| Instrument | Rates of interest from 01.01.2026 to 31.03.2026 | Rates of interest from 01.10.2025 to 31.12.2025 |
| 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 |
8.2 | 8.2 |
F. No 113-03/2024
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)
SB Order No. 17/2025 | Dated: 31.12.2025
To
All Head of Circles/Regions
Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.01.2026
Madam / Sir,
The undersigned is directed to intimate that, vide memorandum No. 1/4/2019-NS dated 31.12.2025 (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 fouth quarter of financial year 2025-26 (starting from 1″ January, 2026 and ending on 31st March, 2026) shall remain unchanged from those notified for the third quarter (1st October, 2025 to 31st December, 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.
(Devender Kumar Sharma)
Assistant Director (SB-II)
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F,No1/4/2019-NS
Government of India
Ministry of Finance
Department of Economic Affairs
(Budget Division)
Kartavya Bhawan 1, New Delhi
Dated: 31 12 2025
OFFICE MEMORANDUM
Subject: Revision of interest rates for Small Savings Schemes – reg.
The rates of interest on various Small Savings Schemes for the fourth quarter of FY 2025-26 starting from 1 January, 2026 and ending on 31..°’ March. 2026 shall remain unchanged from those notified for the third quarter (it” October, 2025 to 31″” December, 2025) of FY 2025-26.
2. This has approval of the Competent Authority.
(Masroor Ahmed)
Deputy Secretary (Budget)
Tele 011 24013082
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