Latest Post Office Small Savings Schemes Rates: The interest rates for small savings schemes will remain unchanged as per the government’s latest announcement. These rates will continue through April to June quarters of FY 2025-26.
The official circular states, “The rates of interest on various Small Savings Schemes for the first quarter of FY 2025-26 starting from April 1, 2025 and ending on 30th June 2025, shall remain unchanged from those notified for the fourth quarter (1st January 2025 to 31st March 2025) of FY 2024-25.”
The existing interest rates will continue unchanged from the previous quarter. The Public Provident Fund (PPF) will maintain its 7.1% rate, whilst the National Savings Certificate stays at 7.7%. Both the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) will continue to offer 8.2%.
These investment options are commonly referred to as post office schemes.
The Finance Ministry’s Department of Economic Affairs released this information through a circular on March 28, 2025.
Latest Post Office Savings Schemes Interest Rates: April-June FY 2025-26
The most recent adjustment in post office scheme interest rates occurred during January-March 2024, the final quarter of FY 2023-24. During this period, the government increased rates for two schemes: the 3-year time deposit rate rose from 7% to 7.1%, whilst the Sukanya Samriddhi Yojana (SSY) rate increased from 8% to 8.2%. All other scheme rates remained static.
The interest rates have remained constant since April 2024, with no modifications implemented.
The government conducts quarterly reviews to establish small savings scheme rates. The process follows the guidelines established by the Shyamala Gopinath Committee for post office schemes.
The committee stipulates that small savings scheme rates should exceed government bond yields of similar maturities by 25 to 100 basis points (where 100 basis points equals 1%). This framework ensures these schemes maintain their attractiveness and competitiveness for investors.
