By Admin 
If you are investing in fixed deposit schemes of PPF, NSC or Post Office, then this news is important for you. The government has not made any changes in the interest rates of small savings schemes for the second quarter (July to September) of FY 2025-26. That is, this is the sixth consecutive quarter when the government has allowed the interest rates of these schemes to remain like it.
What does the Finance Ministry notification say?
The Finance Ministry issued a notification on Monday, saying, “Interest rates on various small savings schemes for the quarter of 1 July 2025 to 30 September 2025 will remain the same as the first quarter (1 April to 30 June 2025) was applicable.
Interest rates according to the scheme
| Name of the scheme | Interest rate | Additional information |
|---|---|---|
| Sukanya Samriddhi Yojana | 8.2% | Great for families investing in daughter’s name |
| Three year term deposit | 7.1% | Stable returns FD |
| PPF (Public Provident Fund) | 7.1% | Popular for tax savings and long -term investment |
| Post Office Saving Account | 4% | For liquid savings |
| Kisan Vikas Patra (KVP) | 7.5% | Matter in 115 months |
| National Savings Certificate (NSC) | 7.7% | Truth for mid-term investment |
| Monthly Income Scheme (MIS) | 7.4% | For retired or senior citizens who seek monthly earnings |
What does this mean for investors?
The government last changed the interest rates of small savings schemes in the fourth quarter of 2023-24. There has been no change from six consecutive quarters since then. This means that the government currently wants to keep these schemes stable, perhaps keeping in mind the global situation of inflation and interest rates.
No losses, no benefit
Small investors did not get relief, but there was no disappointment. The interest rates remain stable means that you can move forward without making any major changes in your investment plan. But if you are expecting more returns, then you may also have to look at risky options.
Also read: Is India’s pharma sector really sinking? Investors’ concern increased, shares fall