Latest Small Savings Interest rates Oct-Dec 2025 FY 2025-26

Post Office Small Savings Schemes Latest Interest Rate October-December 2025: The government has kept the interest rates for all small savings schemes, also popularly known as post office savings schemes, unchanged for the October to December 2025 quarter. This means that you will continue to earn the same interest rate on schemes like Public Provident Fund (PPF), Senior Citizens Savings Scheme (SCSS), National Savings Certificate, Kisan Vikas Patra, and Sukanya Samriddhi Yojana.The interest rates for these schemes, which are mainly managed by post offices and banks, have been unchanged for several quarters now. The last adjustments to certain schemes were made in the fourth quarter of 2023-24. The government maintains its practice of declaring interest rates for small savings schemes on a quarterly basis.As per the latest notification, the government has maintained the interest rates for key savings instruments, with the Public Provident Fund (PPF) offering 7.1%, whilst the National Savings Certificate yields 7.7%. Both the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) deliver 8.2% returns. These small savings schemes are commonly referred to as post office schemes.

Latest Post Office Savings Scheme Interest Rates: October-December 2025

A circular released by the Department of Economic Affairs, operating under the Finance Ministry, confirmed these rates on September 30, 2025.Post Office Savings Scheme rates are determined according to the Shyamala Gopinath Committee framework. These guidelines stipulate that small savings instruments’ returns should correspond to secondary market yields on comparable Central Government Securities, incorporating a supplementary margin of 25 basis points.The computation of interest rates for 5-year time deposits should mirror the secondary market performance of 5-year G-secs, with an additional 25 basis points.Whilst the prescribed methodology indicates that falling repo rates and bond yields should trigger proportional decreases in small savings rates to maintain market alignment, the government’s ultimate determinations sometimes deviate from these precise numerical computations.