modi govt releases latest interest rates schemes 2025 Are you tired of watching your hard-earned money sit idle in low-interest bank accounts? Do you wish there was a safer, more rewarding way to grow your savings without the risks of the stock market? Good news—the government’s Small Savings Schemes continue to offer stable interest rates for another quarter, giving you a reliable way to secure your financial future.
No Changes in Interest Rates for Q2 (July–September 2025)
The Finance Ministry has announced that interest rates on Small Savings Schemes will remain unchanged for the second quarter of FY 2025-26 (July 1–September 30, 2025). This means you can keep earning steady returns on popular schemes like PPF, NSC, and Sukanya Samriddhi without any surprises.
Current Small Savings Scheme Interest Rates (July–Sept 2025)
- Sukanya Samriddhi Yojana (SSY): 8.2%
- Public Provident Fund (PPF): 7.1%
- National Savings Certificate (NSC): 7.7%
- Kisan Vikas Patra (KVP): 7.5% (matures in 115 months)
- Post Office Savings Deposit: 4%
- Monthly Income Scheme (MIS): 7.4%
- 3-Year Time Deposit: 7.1%
Which Scheme is Best for You?
- Planning for your daughter’s future? Sukanya Samriddhi (8.2%) is a great long-term bet.
- Want tax-free returns? PPF (7.1%) remains a top choice.
- Need monthly payouts? MIS (7.4%) provides regular income.
FAQs: Quick Answers to Your Doubts
Will PPF rates increase soon?
No, the 7.1% rate stays until at least September 2025.
Is Sukanya Samriddhi better than FD?
Yes! 8.2% interest + tax benefits make it a smarter choice for girl child savings.
Can I withdraw from MIS anytime?
Partial withdrawals are allowed after 1 year, but early closure has penalties.
How often do these rates change?
The government reviews them every quarter, but they’ve been stable for 5 quarters now.
