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PPF, NSC & Small Savings Rates Unchanged for Q3 2025: Govt Announcement
The government has decided to keep interest rates unchanged for key small savings schemes, including the Public Provident Fund (PPF) and National Savings Certificate (NSC), for the upcoming quarter. This marks the seventh consecutive quarter of steady rates, providing stability for millions of investors across India.
Interest Rates Remain Unchanged
According to the Finance Ministry, the rates for most schemes will continue at the same level as the previous quarter, effective October 1 to December 31, 2025:
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PPF: 7.1%
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Post Office Savings Deposit Scheme: 4%
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Sukanya Samriddhi Yojana: 8.2%
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Three-Year Term Deposits: 7.1%
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NSC (National Savings Certificate): 7.7%
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Kisan Vikas Patra: 7.5% (maturing in 115 months)
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Monthly Income Scheme: 7.4%
This stability allows investors to plan their finances without concern for sudden changes in interest rates. The last rate revision was in the fourth quarter of 2023-24, and the government announces these rates every three months.
Why It Matters
Small savings schemes like PPF, NSC, Sukanya Samriddhi, and Kisan Vikas Patra are popular for risk-free long-term investments. Stable interest rates are crucial for individuals relying on these instruments for:
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Retirement planning
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Children’s education
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Long-term financial security
With steady returns, investors can confidently plan for their future financial goals without the risk of fluctuating rates.
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Published: Oct 01, 2025
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