The central government has announced that the interest rates for small savings schemes will remain unchanged for the April to June quarter of the 2025–26 financial year. That makes it the fifth quarter in a row with no changes. A bit of a pattern, perhaps?
Here’s a quick snapshot of what the finance ministry’s latest notification says:
Sukanya Samriddhi Account – Still offering 8.2%, making it one of the highest among the bunch.
Public Provident Fund (PPF) – Stays put at 7.1%.
Post Office Savings Account – No change here either, still at 4%.
Three-Year Term Deposit – Continues with 7.1%.
National Savings Certificate (NSC) – Maintains a rate of 7.7%.
Kisan Vikas Patra – Offering 7.5%, with maturity now at 115 months.
Monthly Income Scheme – Keeps to its 7.4% rate.
The government typically reviews these rates every quarter, adjusting them based on factors like government borrowing needs and how the bond market is behaving. But lately, there seems to be a preference for keeping things steady. Whether that’s a signal of economic caution or just playing it safe is anyone’s guess.
For regular savers, especially those relying on these schemes for safe and steady returns, it means a little less uncertainty—at least for now. While the rates aren’t exactly eye-popping, they continue to offer relatively better returns than fixed deposits in many banks.
So if you're planning to invest or reinvest, it might not hurt to assume these rates could stick around a bit longer—though of course, nothing’s guaranteed.
