Post Office savings schemes: Latest interest rates for April-June 2025 announced - check list

TOI Business Desk / TIMESOFINDIA.COM / Mar 28, 2025, 18:40 IST

Text Size

Small
Medium
Large

Latest Post Office Small Savings Schemes Rates: The government has announced that interest rates for small savings schemes will remain unchanged for the first quarter of FY 2025-26. PPF will continue at 7.1%, NSC at 7.7%, and both SCSS and SSY at 8.2%. Quarterly reviews determine these rates based on guidelines ensuring competitiveness.

Post Office savings schemes: Latest interest rates for April-June 2025 announced - check list

The interest rates have remained constant since April 2024, with no modifications implemented. (AI image)

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

Instrument	Rate of interest from April to June 2025 (%)
Post Office Savings Deposit	4
1-Year Time Deposit	6.9
2-Year Time Deposit	7
3-Year Time Deposit	7.1
5-Year Time Deposit	7.5
5-Year Recurring Deposit	6.7
Senior Citizen Savings Scheme	8.2
Monthly Income Account Scheme	7.4
National Savings Certificate	7.7
Public Provident Fund Scheme	7.1
Kisan Vikas Patra	7.5 (Will mature in 115 months)
Sukanya Samriddhi Account	8.2

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.

Stay informed with the latest business news, updates on bank holidays and public holidays.

About the Author

TOI Business Desk

The TOI Business Desk is a vigilant and dedicated team of journalists committed to delivering the latest and most relevant business news from around the world to readers of The Times of India. The primary focus of the TOI Business Desk is to keep a watchful eye on the global business landscape, covering a wide spectrum of industries, markets, economic trends, in-depth analysis, exclusive reports and breaking stories that impact businesses and economies. With a mission to provide valuable insights and updates, the desk ensures that TOI readers are well-informed about the ever-changing and dynamic world of commerce and can navigate the complexities of the business world.

End of Article