Put up 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 publicizes the rates of interest of Put up Workplace Small Financial savings Schemes (Put up Workplace Financial savings Schemes -Modifications efficient from 1st, April 2016). These schemes are broadly common 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 that the charges relevant from July to September 2025 will proceed with none change for this quarter as nicely.
This stability gives 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 varied Put up Workplace Fastened Deposits (FDs).
Why are Put up Workplace Curiosity Charges vital?
Put up 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, typically the federal government chooses to not revise the charges so as to present stability and predictability to small traders.
Put up Workplace Curiosity Charges Oct–Dec 2025 | Small Financial savings Schemes
For this quarter (October–December 2025), the federal government has chosen to take care of the established order.
| Sl No. | Scheme Title | Present Curiosity Price |
| 1 | Financial savings Account | 4.00% |
| 2 | 1-Yr Time period Deposit (FD) | 6.90% |
| 3 | 2-Yr Time period Deposit (FD) | 7.00% |
| 4 | 3-Yr Time period Deposit (FD) | 7.10% |
| 5 | 5-Yr 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 – Put up Workplace Schemes vs Financial institution FDs (October 2025)
Whereas financial institution FD charges transfer extra often, small financial savings charges often stay secure for 1 / 4. Right here’s a fast comparability:
| Financial institution / Scheme | 1-Yr FD | 3-Yr FD | 5-Yr FD | Senior Citizen FD | Tax Saving FD (5Y) |
| Put up 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 Youngsters – The Sukanya Samriddhi Yojana (SSY) at 8.20% continues to be essentially 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).
- Protected Conservative Traders – NSC and Put up Workplace FDs proceed to be good alternate options to financial institution deposits with authorities security.
FAQs – Put up Workplace Curiosity Charges Oct–Dec 2025
1. What’s the newest PPF rate of interest for October 2025?
The PPF price stays 7.10% every year.
2. What’s the Senior Citizen Financial savings Scheme (SCSS) price in October 2025?
SCSS continues at 8.20% every 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 Put up Workplace scheme gives the very best return in Oct–Dec 2025?
Each SCSS and SSY provide 8.20%, the very best amongst all schemes.
Historic Development of Put up Workplace Curiosity Charges (2023 – 2025)
To grasp how rates of interest have moved within the current previous, right here’s a abstract of quarterly Put up Workplace Small Financial savings Scheme charges.
| Quarter | PPF | SSY | SCSS | NSC | KVP | 5-Yr FD | RD (5-Yr) | 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 secure for nearly two years, with solely minor tweaks to KVP maturity intervals and SSY/SCSS changes in 2023.
Options of Put up Workplace Financial savings Schemes
Now allow us to look on the Put up Workplace Small Financial savings Schemes options. This gives you extra readability in choosing the proper product for you.
# Put up Workplace Financial savings Account
Like Financial institution Account, Put up Workplace additionally gives you the financial savings account to its prospects. The few options are as beneath.
- Minimal Rs.500 is required to open the account.
- Account may 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 price of 100 (100) rupees shall be deducted from the account on the final working day of every monetary 12 months and after deduction of the account upkeep price, if the steadiness within the account turns into nil, the account shall stand robotically closed.
- Cheque facility/ATM facility can be found
- Curiosity earned is Tax-Free as much as INR 10,000/- per 12 months from the monetary 12 months 2012-13
- Account may be transferred from one publish workplace to a different
- One account may be opened in a single publish workplace.
- Not less than one transaction of deposit or withdrawal in three monetary years is important to maintain the account lively, else account turned silent (Dorment).
- Intra Operable Netbanking/Cell Banking facility is accessible.
- On-line Fund switch between Put up Workplace Financial savings Accounts/Cease Cheque/Transaction View facility is accessible by way of Intra Operable Netbanking/Cell Banking.
- The power to hyperlink with IPPB Saving Account is accessible.
- Funds Switch (Sweep in/Sweep out) facility is accessible with IPPB Saving Account.
# Put up 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 presently out there is 1 yr, 2 Yrs, 3 Yrs and 5 Yrs.
- Account may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Account may 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 may be transferred from one publish workplace to a different
- Single account may be transformed into Joint and Vice Versa .
- Any variety of accounts may 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 cost 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 possibility.
- Untimely encashment not allowed earlier than expiry of 6 month, If closed between 6 month to 12 month from date of Opening, Put up Workplace Saving Accounts rate of interest will probably be payable.
- 5 Yrs FD is eligible for tax saving functions beneath Sec.80C.
# Put up 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 may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Tenure of RD is 5 years.
- Account may 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 may be transferred from one Put up Workplace to a different Put up Workplace.
- Subsequent deposit may 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 shouldn’t be made as much as the prescribed day, a default price is charged for every default, default price @ 1 Rs for each 100 rupee shall be charged. After 4 common defaults, the account turns into discontinued and may be revived in two months but when the identical shouldn’t be revived inside this era, no additional deposit may 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 price after which pay the present month deposit.
- There may be rebate on advance deposit of a minimum of 6 installments, Rs. 10 for six month and Rs. 40 for 12 months Rebate will probably be paid for the denomination of Rs. 100.
- One mortgage as much as 50% of the steadiness allowed after one 12 months. It might be repaid in a single lumpsum together with curiosity on the prescribed price at any time throughout the foreign money of the account.
- Account may be prolonged for one more 5 years after it’s maturity.
# Put up 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 may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- Any variety of accounts may be opened in any publish workplace topic to most funding restrict by including steadiness in all accounts (Rs. 4.5 Lakh).
- Single account may be transformed into Joint and Vice Versa.
- Maturity interval is 5 years.
- Curiosity may be drawn by way of auto credit score into financial savings account standing at similar publish workplace,orECS./In case of MIS accounts standing at CBS Put up places of work, month-to-month curiosity may be credited into financial savings account standing at any CBS Put up places of work.
- Will be prematurely en-cashed after one 12 months 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 shouldn’t be claimed by the account holder such curiosity shall not earn any extra curiosity.
# Put up Workplace Senior Citizen Financial savings Scheme (SCSS)
I’ve written an in depth publish on this. Consult with the identical at ” Put up Workplace Senior Citizen Scheme (SCSS)-Advantages and Curiosity Price“.
Word – Efficient from 1st April 2023, the utmost restrict is presently Rs.30 lakh. Earlier it was Rs.15 lakh. This variation occurred throughout Finances 2023.
# Public Provident Fund (PPF)
I’ve written varied posts on PPF. Refer the identical:-
# Nationwide Financial savings Certificates NSC (VIII Subject)
- Minimal Rs.1,000 and in a number of of Rs.100.
- No most restrict.
- Account may 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 may be opened single, collectively, Minor (above 10 years of age) or a guardian on behalf of minor.
- The cash will probably be double at maturity. Nevertheless, because the rate of interest adjustments on a quarterly foundation. The maturity interval additionally varies as soon as in 1 / 4.
# Sukanya Samriddhi Account Yojana (SSY)
I’ve written varied posts on this. Refer the identical:-
Conclusion
The Put up Workplace Small Financial savings Scheme rates of interest for October–December 2025 stay unchanged from July–September 2025. This resolution supplies much-needed stability to traders, particularly those that choose secure, government-backed devices over risky market-linked choices.
For traders, the important thing takeaway is:
- SCSS and SSY (8.20%) stay essentially the most rewarding.
- PPF (7.10%) continues to be a robust long-term tax-saving funding.
- NSC and FDs stay good alternate options for regular revenue seekers.
As at all times, traders ought to align their selections with their monetary objectives, liquidity wants, and tax issues.
