Interest rates on different Post Office small savings plans change regularly at pre-arranged intervals. Every quarter, the Government sets the new interest rates. Rates for October through December were just released, and they haven't changed. The Public Provident Fund, National Savings Certificates, Post Office Small Savings Plans, and Senior Citizen Savings Plans all have the same interest rates.
In a statement, the Union Finance Ministry disclosed that interest rates on multiple small savings schemes will remain constant for the third quarter of the 2025-26 fiscal year. These rates will be in effect from October 1 to December 31. The interest rates that were applicable from July 1 to September 30 continue to remain the same.
Sukanya Samriddhi Yojana: 8.2% interest rate
3-year Term Deposit: 7.1% interest rate
PPF: 7.1% interest rate
Post Office Savings Deposit: 4% interest rate
Kisan Vikas Patra: 7.5% interest rate (115-day maturity period)
National Savings Scheme: 7.7% interest rate
Monthly Income Scheme: 7.4% interest rate
The Finance Ministry announces new interest rates for Post Office savings schemes quarterly. This process adheres to the guidelines set by the Shyamal Gopinath Committee.