Govt Keeps NSC, SCSS, Sukanya Samriddhi, PPF Interest Rates Unchanged for Apr-Jun 2025

The central government has decided to keep the interest rates on small savings schemes, such as the Public Provident Fund (PPF) and National Savings Certificate (NSC), unchanged for the first quarter of the financial year 2025-26 (April to June 2025).

In a notification issued on March 28, 2025, the Department of Economic Affairs (DEA) confirmed that the interest rates applicable from April 1, 2025, to June 30, 2025, will remain the same as those for the previous quarter, January to March 2025.

Interest Rates for Small Savings Schemes (April to June 2025)

The interest rates for small savings schemes will remain unchanged for the April-June 2025 quarter. The key rates for popular schemes are as follows:

• Public Provident Fund (PPF) – 7.1%
• Post Office Savings Deposit – 4%
• Sukanya Samriddhi Yojana – 8.2%
• Three-Year Fixed Deposit – 7.1%
• Senior Citizen Savings Scheme (SCSS) – 8.2%
• Five-Year Recurring Deposit (RD) – 6.7%

PPF and NSC Remain Popular for Long-Term Savings

The PPF and NSC continue to be widely preferred by investors looking for secure investment options with steady returns. The PPF interest rate of 7.1% remains unchanged, making it an suitable option for long-term financial planning.

Meanwhile, deposits under the Sukanya Samriddhi Yojana, a scheme designed to support girl child education and financial security, will continue to offer 8.2% interest, one of the highest among small savings schemes.

Senior Citizen Savings Scheme Offers Higher Returns

SCSS will also retain its 8.2% interest rate for the April-June quarter of FY26. This scheme is designed to provide financial security to senior citizens, offering higher returns compared to other savings options.

Additionally, a three-year fixed deposit will continue with an interest rate of 7.1%, while a five-year recurring deposit (RD) will offer 6.7% interest.

Government Reviews Interest Rates Every Quarter

The government revises interest rates every quarter on small savings schemes based on market conditions and other macro-economic factors. These schemes are mainly operated through post offices and banks, providing safe and stable investment options for individuals across the country.

It is worth noting that the interest rates remained unchanged for the January-March 2025 quarter as well, indicating stability in government-backed savings instruments.

Conclusion

The decision to maintain interest rates for small savings schemes ensures stability for investors seeking secure returns. With quarterly reviews, future changes will depend on economic conditions.

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