The central authorities on Monday introduced a established order on the rates of interest relevant to small financial savings schemes for the second quarter of the monetary yr. These small schemes are: Financial savings Account, Time Deposit (4 maturities), Recurring Deposit, Senior Citizen Financial savings Scheme, Month-to-month Earnings Scheme, Nationwide Financial savings Certificates, Public Provident Fund, Kisan Vikas Patra, Mahila Samman Financial savings Certificates, and Sukanya Samriddhi Account.
For the quarter ended June 30, these government-backed mounted earnings schemes supplied rates of interest to the tune of 4-8.2 per cent every year. The most recent notification implies that the identical rates of interest might be carried ahead to the interval from July 1 to September 30.
At present, the federal government critiques these rates of interest each quarter, implementing any revisions on the onset of a brand new quarter.
Newest small financial savings scheme rates of interest (July-September 2025) checklist
Scheme
Rate of interest for July-Sept 2025
Compounding frequency
Submit Workplace financial savings account (SA)
4%
Yearly
Submit Workplace 1-year Time Deposit (TD)
6.9% (Rs 708 annual curiosity on Rs 10,000 deposit)
Quarterly
Submit Workplace 2-year Time Deposit
7.0% (Rs 719 annual curiosity on Rs 10,000 deposit)
Quarterly
Submit Workplace 3-year Time Deposit
7.1% (Rs 729 annual curiosity on Rs 10,000 deposit)
Quarterly
5-year Time Deposit
7.5% (Rs 771 annual curiosity on Rs 10,000 deposit)
Quarterly
Submit Workplace 5-year Recurring Deposit (RD) Scheme
6.7%
Quarterly
Submit Workplace Senior Citizen Financial savings Scheme (SCSS)
8.2% (Rs 205 quarterly curiosity on Rs 10,000 deposit)
Quarterly and Paid
Submit Workplace Month-to-month Earnings Account (MIA)
7.4% (Rs 62 month-to-month curiosity on Rs 10,000 deposit)
Month-to-month and paid
Submit Workplace Nationwide Financial savings Certificates (NSC)-VIII Challenge
7.7% (Rs 14,490 maturity worth on Rs 10,000 deposit)
Yearly
Submit Workplace Public Provident Fund (PPF) Scheme
7.1%
Yearly
Kisan Vikas Patra (KVP)
7.5% (matures in 115 months)
Yearly
Mahila Samman Financial savings Certificates
7.5% (Rs 11,602 maturity worth on Rs 10,000 deposit)
Quarterly
Sukanya Samriddhi Account (SSA) Scheme
8.2%
Yearly
Which small financial savings schemes pay the best rate of interest?
Out of those schemes, Senior Citizen Financial savings Scheme (a particular scheme for senior citizen depositors) and Sukanya Samriddhi Scheme (centered on the woman youngster) every pay the best rate of interest of 8.2 per cent every year.
