Revised interest rates for Small Savings Schemes From 01-07-2025. New and Revised Rates for Small Savings Schemes applicable from 1st July 2025. Govt of India Revised Interest Rates on 1st April 2020 and New and Revised Rates are applicable from 1st July 2025. Check Post Office Small Saving Schemes Revised Rates from Below…
Check Revised interest Rates for PF, Sukanya Yojana(Sukanya Samriddhi Yojana), NSC, Term Plans, Kisan Vikas Patra etc from below, we provide old and Revised Interest Rates in Below Table.
Why Invest in Small Savings Schemes?
- Government guarantee = High safety
- Fixed returns = Predictable income
- Tax benefits under Section 80C
- Accessible via Post Offices & Banks
Interest rates for Small Savings Schemes From 01-07-2025
Small savings schemes are a set of government-backed financial instruments in India designed to promote savings among individuals, especially in the rural and middle-income groups. These offer guaranteed returns, tax benefits and protection, making them ideal for conservative investors.
| Instruments | interest w.e.f 01.07.2025 to 30.09.2025 | Compounding* |
|---|---|---|
| Post Office Savings Account | 4.0 | Annually |
| 1 Year Time Deposit | 6.9 (Annual Interest ₹708 for ₹10,000/-) | Quarterly |
| 2 Year Time Deposit | 7.0 (Annual Interest ₹719 for ₹10,000/-) | Quarterly |
| 3 Year Time Deposit | 7.1 (Annual Interest ₹729 for ₹10,000/-) | Quarterly |
| 5 Year Time Deposit | 7.5 (Annual Interest ₹771 for ₹10,000/-) | Quarterly |
| 5 Year Recurring Deposit Scheme | 6.7 | Quarterly |
| Senior Citizen Savings Scheme | 8.2 (Quarterly Interest ₹205 for ₹10,000/-) | Quarterly and Paid |
| Monthly Income Account | 7.4 (Monthly Interest ₹62 for ₹10,000/-) | Monthly and paid |
| National Savings Certificate (VIII Issue) | 7.7 (Maturity Value ₹14,490 for ₹10,000/-) | Annually |
| Public Provident Fund Scheme | 7.1 | Annually |
| Kisan Vikas Patra | 7.5 (will mature in 115 months) | Annually |
| Mahila Samman Savings Certificate | 7.5 (Maturity Value ₹11,602 for ₹10,000/-) | Quarterly |
| Sukanya Samriddhi Account Scheme | 8.2 | Annually |
- *Kisan Vikas Patra (KVP) 7.50% (will mature in 112 months)
- All Above New Rates are affected from 01-07-2025
- These Interest Rates apply from 1st July 2025
- Source: Finance ministry website
Post Office Time Deposit Account
* In CBS Post offices, when any TD account is matured, the same TD account will be automatically renewed for the period for which the account was initially opened e.g 2 Years TD account will be automatically renewed for 2 Years. The interest rate applicable on the day of maturity will be applied.
From 1.07.2025, interest rates are as follows:-
| Period | Rate |
|---|---|
| 1 yr. A/c | 6.9% |
| 2 yr. A/c | 7.0% |
| 3 yr. A/c | 7.1% |
| 5 yr. A/c | 7.5% |
Interest payable annually but calculated quarterly.
Deposit Amounts are as follows:-
| Type of Account | Minimum Deposit | Maximum Deposit |
|---|---|---|
| 1, 2, 3 & 5 Year TD | INR. 200/- and in multiples of INR. 200/- thereafter | No limit |
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