Publish Workplace Small Financial savings Scheme rates of interest Oct–Dec 2025 stay unchanged from July–Sep 2025. Newest PPF, SCSS, SSY, NSC, KVP, RD, FD charges.
Each quarter, the Authorities of India opinions and declares the rates of interest of Publish Workplace Small Financial savings Schemes (Publish Workplace Financial savings Schemes -Adjustments efficient from 1st, April 2016). These schemes are broadly fashionable amongst small and conservative traders, primarily as a result of they’re backed by the Authorities of India, making them one of many most secure avenues for funding.
For the quarter October to December 2025, the Ministry of Finance has stored the rates of interest unchanged. Which means the charges relevant from July to September 2025 will proceed with none change for this quarter as nicely.
This stability affords consolation to traders who depend on schemes like Public Provident Fund (PPF), Senior Citizen Financial savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), Nationwide Financial savings Certificates (NSC), Recurring Deposit (RD), and numerous Publish Workplace Fastened Deposits (FDs).
Why are Publish Workplace Curiosity Charges vital?
Publish Workplace Small Financial savings Schemes are reviewed each three months and linked to the yields of presidency bonds. If bond yields rise or fall considerably, small financial savings charges could also be adjusted. Nevertheless, generally the federal government chooses to not revise the charges with a purpose to present stability and predictability to small traders.
Publish Workplace Curiosity Charges Oct–Dec 2025 | Small Financial savings Schemes
For this quarter (October–December 2025), the federal government has chosen to keep up the established order.
| Sl No. | Scheme Title | Present Curiosity Price |
| 1 | Financial savings Account | 4.00% |
| 2 | 1-12 months Time period Deposit (FD) | 6.90% |
| 3 | 2-12 months Time period Deposit (FD) | 7.00% |
| 4 | 3-12 months Time period Deposit (FD) | 7.10% |
| 5 | 5-12 months Time period Deposit (FD) | 7.50% |
| 6 | Recurring Deposit (5 Yrs) | 6.70% |
| 7 | Nationwide Financial savings Certificates (NSC) | 7.70% |
| 8 | Month-to-month Earnings Scheme (MIS) | 7.40% |
| 9 | Public Provident Fund (PPF) | 7.10% |
| 10 | Senior Citizen Financial savings Scheme (SCSS) | 8.20% |
| 11 | Kisan Vikas Patra (KVP) | 7.50% (doubles in 115 months) |
| 12 | Sukanya Samriddhi Yojana (SSY) | 8.20% |
No change in comparison with July–September 2025 charges.
Comparability – Publish Workplace Schemes vs Financial institution FDs (October 2025)
Whereas financial institution FD charges transfer extra regularly, small financial savings charges normally stay steady for 1 / 4. Right here’s a fast comparability:
| Financial institution / Scheme | 1-12 months FD | 3-12 months FD | 5-12 months FD | Senior Citizen FD | Tax Saving FD (5Y) |
| Publish Workplace FD | 6.90% | 7.10% | 7.50% | 8.20% (SCSS) | 7.50% |
| SBI FD | 6.80% | 7.00% | 7.25% | 7.75% | 7.25% |
| HDFC Financial institution FD | 7.00% | 7.25% | 7.25% | 7.75% | 7.25% |
| ICICI Financial institution FD | 7.00% | 7.25% | 7.25% | 7.75% | 7.25% |
Clearly, SCSS (8.20%) and SSY (8.20%) proceed to supply the very best returns.
What does this imply for traders?
- Senior Residents – The SCSS stays among the best choices with 8.20% assured returns, a lot larger than common financial institution FDs.
- Dad and mom of Woman Kids – The Sukanya Samriddhi Yojana (SSY) at 8.20% continues to be probably the most rewarding scheme for long-term financial savings.
- Lengthy-term Traders – PPF at 7.10% stays engaging for its tax-free curiosity and EEE standing (Exempt-Exempt-Exempt).
- Secure Conservative Traders – NSC and Publish Workplace FDs proceed to be good alternate options to financial institution deposits with authorities security.
FAQs – Publish Workplace Curiosity Charges Oct–Dec 2025
1. What’s the newest PPF rate of interest for October 2025?
The PPF fee stays 7.10% each year.
2. What’s the Senior Citizen Financial savings Scheme (SCSS) fee in October 2025?
SCSS continues at 8.20% each year.
3. How lengthy will Kisan Vikas Patra (KVP) take to double in October–December 2025?
At 7.50%, KVP doubles in 115 months (9 years 7 months).
4. Which Publish Workplace scheme affords the very best return in Oct–Dec 2025?
Each SCSS and SSY supply 8.20%, the very best amongst all schemes.
Historic Pattern of Publish Workplace Curiosity Charges (2023 – 2025)
To know how rates of interest have moved within the current previous, right here’s a abstract of quarterly Publish Workplace Small Financial savings Scheme charges.
| Quarter | PPF | SSY | SCSS | NSC | KVP | 5-12 months FD | RD (5-12 months) | MIS |
|---|---|---|---|---|---|---|---|---|
| Oct–Dec 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Apr–Jun 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Jan–Mar 2025 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Oct–Dec 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (116 months) | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (116 months) | 7.50% | 6.70% | 7.40% |
| Apr–Jun 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (116 months) | 7.50% | 6.70% | 7.40% |
| Jan–Mar 2024 | 7.10% | 8.20% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Oct–Dec 2023 | 7.10% | 8.00% | 8.00% | 7.70% | 7.50% (115 months) | 7.50% | 6.70% | 7.40% |
| Jul–Sep 2023 | 7.10% | 8.00% | 8.20% | 7.70% | 7.50% (115 months) | 7.50% | 6.50% | 7.40% |
From this desk, it’s clear that rates of interest have remained steady for nearly two years, with solely minor tweaks to KVP maturity intervals and SSY/SCSS changes in 2023.
Options of Publish Workplace Financial savings Schemes
Now allow us to look on the Publish Workplace Small Financial savings Schemes options. This offers you extra readability in choosing the proper product for you.
# Publish Workplace Financial savings Account
Like Financial institution Account, Publish Workplace additionally affords you the financial savings account to its clients. The few options are as under.
- Minimal Rs.500 is required to open the account.
- Account might be opened single, collectively, Minor (above 10 years of age), or a guardian on behalf of a minor.
- Minimal steadiness to be maintained in an account is INR 500/- , if steadiness Rs. 500 not maintained, a upkeep payment of 100 (100) rupees shall be deducted from the account on the final working day of every monetary yr and after deduction of the account upkeep payment, if the steadiness within the account turns into nil, the account shall stand mechanically closed.
- Cheque facility/ATM facility can be found
- Curiosity earned is Tax-Free as much as INR 10,000/- per yr from the monetary yr 2012-13
- Account might be transferred from one publish workplace to a different
- One account might be opened in a single publish workplace.
- At the least one transaction of deposit or withdrawal in three monetary years is critical to maintain the account lively, else account turned silent (Dorment).
- Intra Operable Netbanking/Cellular Banking facility is accessible.
- On-line Fund switch between Publish Workplace Financial savings Accounts/Cease Cheque/Transaction View facility is accessible via Intra Operable Netbanking/Cellular Banking.
- The ability to hyperlink with IPPB Saving Account is accessible.
- Funds Switch (Sweep in/Sweep out) facility is accessible with IPPB Saving Account.
# Publish Workplace Fastened Deposits (FDs)
- Minimal of Rs.1,000 and in multiples of Rs.100. There is no such thing as a most restrict.
- FD tenure at the moment obtainable is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Account might be opened by money /Cheque and in case of Cheque the date of realization of cheque in Govt. account shall be date of opening of account.
- Account might be transferred from one publish workplace to a different
- Single account might be transformed into Joint and Vice Versa .
- Any variety of accounts might be opened in any publish workplace.
- Curiosity shall be payable yearly, No extra curiosity shall be payable on the quantity of curiosity that has turn into due for fee however not withdrawn by the account holder.
- The annual curiosity could also be credited to the financial savings account of the account holder at his choice.
- Untimely encashment not allowed earlier than expiry of 6 month, If closed between 6 month to 12 month from date of Opening, Publish Workplace Saving Accounts rate of interest might be payable.
- 5 Yrs FD is eligible for tax saving functions beneath Sec.80C.
# Publish Workplace Recurring Deposit (RD)
- Minimal is Rs.100 a month and in a number of of Rs.10. There is no such thing as a most restrict.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tenure of RD is 5 years.
- Account might be opened by money / Cheque and in case of Cheque the date of deposit shall be date of clearance of Cheque.
- Untimely closure is allowed after three years from the date of opening of the account.
- Account might be transferred from one Publish Workplace to a different Publish Workplace.
- Subsequent deposit might be made as much as fifteenth day of subsequent month if account is opened as much as fifteenth of a calendar month and as much as final working day of subsequent month if account is opened between sixteenth day and final working day of a calendar month.
- If a subsequent deposit isn’t made as much as the prescribed day, a default payment is charged for every default, default payment @ 1 Rs for each 100 rupee shall be charged. After 4 common defaults, the account turns into discontinued and might be revived in two months but when the identical isn’t revived inside this era, no additional deposit might be made.
- If in any RD account, there’s a month-to-month default quantity, the depositor has to first pay the defaulted month-to-month deposit with default payment after which pay the present month deposit.
- There may be rebate on advance deposit of not less than 6 installments, Rs. 10 for six month and Rs. 40 for 12 months Rebate might be paid for the denomination of Rs. 100.
- One mortgage as much as 50% of the steadiness allowed after one yr. It could be repaid in a single lumpsum together with curiosity on the prescribed fee at any time throughout the forex of the account.
- Account might be prolonged for one more 5 years after it’s maturity.
# Publish Workplace Month-to-month Earnings Scheme (MIS)
- Most funding is Rs.9 lakh in a single account and Rs.15 lakh collectively (It’s revised throughout the Finances 2023). Earlier it was Rs.4.5 lakh for a single account and Rs.9 lakh for joint accounts.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Any variety of accounts might be opened in any publish workplace topic to most funding restrict by including steadiness in all accounts (Rs. 4.5 Lakh).
- Single account might be transformed into Joint and Vice Versa.
- Maturity interval is 5 years.
- Curiosity might be drawn via auto credit score into financial savings account standing at similar publish workplace,orECS./In case of MIS accounts standing at CBS Publish workplaces, month-to-month curiosity might be credited into financial savings account standing at any CBS Publish workplaces.
- May be prematurely en-cashed after one yr however earlier than 3 years on the low cost of two% of the deposit and after 3 years on the low cost of 1% of the deposit. (Low cost means deduction from the deposit.).
- Curiosity shall be payable to the account holder on completion of a month from the date of deposit.
- If the curiosity payable each month isn’t claimed by the account holder such curiosity shall not earn any extra curiosity.
# Publish Workplace Senior Citizen Financial savings Scheme (SCSS)
I’ve written an in depth publish on this. Seek advice from the identical at ” Publish Workplace Senior Citizen Scheme (SCSS)-Advantages and Curiosity Price“.
Observe – Efficient from 1st April 2023, the utmost restrict is at the moment Rs.30 lakh. Earlier it was Rs.15 lakh. This modification occurred throughout Finances 2023.
# Public Provident Fund (PPF)
I’ve written numerous posts on PPF. Refer the identical:-
# Nationwide Financial savings Certificates NSC (VIII Concern)
- Minimal Rs.1,000 and in a number of of Rs.100.
- No most restrict.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tax Profit beneath Sec.80C is accessible.
- Tenure is 5 years.
# Kisan Vikas Patra (KVP) Account
- Minimal Rs.1,000 and in multiples of Rs.100. There is no such thing as a most restrict.
- Account might be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- The cash might be double at maturity. Nevertheless, because the rate of interest modifications on a quarterly foundation. The maturity interval additionally varies as soon as in 1 / 4.
# Sukanya Samriddhi Account Yojana (SSY)
I’ve written numerous posts on this. Refer the identical:-
Conclusion
The Publish Workplace Small Financial savings Scheme rates of interest for October–December 2025 stay unchanged from July–September 2025. This choice supplies much-needed stability to traders, particularly those that want secure, government-backed devices over risky market-linked choices.
For traders, the important thing takeaway is:
- SCSS and SSY (8.20%) stay probably the most rewarding.
- PPF (7.10%) continues to be a strong long-term tax-saving funding.
- NSC and FDs stay good alternate options for regular earnings seekers.
As at all times, traders ought to align their decisions with their monetary targets, liquidity wants, and tax concerns.
