Oct-Dec 2025: Government Announces Post Office Savings Rates
The Ministry of Finance has published the interest rates for the October–December 2025 quarter for key Post Office savings schemes. The notification confirms that, for this quarter, most small savings schemes will keep their rates unchanged. This marks another quarter where a broad set of Post Office products — including the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), and others — will operate under the same rates as the previous quarter. Investors can plan without expecting rate shocks, as the government maintains a stable approach to small savings in this period.
What’s Changed and What Hasn’t
The government’s notification makes clear that there are no changes to the interest rates of several prominent small saving schemes. This is the seventh consecutive quarter in which rates have remained steady. For savers and long-term planners, this consistency supports budgeting for retirement, education, and other goals tied to these schemes.
Rates for Major Post Office Savings Schemes
Public Provident Fund (PPF)
The PPF continues to offer a competitive long-term saving option with an interest rate of 7.1% for the Oct–Dec 2025 quarter. PPF remains a popular choice for retirement planning and tax-efficient long-term growth.
Senior Citizens Savings Scheme (SCSS)
Senior Citizens Savings Scheme currently yields 8.2%, providing a higher-rate option for retirees seeking regular income and capital protection through a government-backed scheme.
Sukanya Samriddhi Yojana (SSY)
SSY stands at 8.2% for the current quarter. This scheme is designed to help families save for a girl child’s future, up to 10 years of age, with tax benefits and government-backed guarantees.
National Savings Certificate (NSC)
NSC offers 7.7% interest, making it a stable fixed-income instrument for small savers who prefer fixed tenure investments with modest inflation protection.
Post Office Monthly Income Scheme (POMIS)
POMIS provides a steady monthly income, now at 7.4% interest for the quarter. It is a convenient option for those seeking regular cash flow from their savings.
Kisan Vikas Patra (KVP)
KVP continues to offer 7.5% interest, combining attractive returns with a long-term maturity and government backing, suitable for goals beyond a few years.
Fixed Deposits: Shorter and Longer Tenures
In addition to the small savings schemes, the government has listed fixed deposit rates for different tenures. Investors can compare the yields across various durations to align with their liquidity needs.
1-Year Fixed Deposit
6.9% annual rate, offering a short-term option with relatively quick access to funds.
2-Year Fixed Deposit
7.0% annual rate, balancing slightly longer commitment with higher return.
3-Year Fixed Deposit
7.10% annual rate, appealing to those who want a mid-term lock-in with solid returns.
5-Year Fixed Deposit
7.5% annual rate, a longer-term fixed option with competitive yields for savers planning ahead.
5-Year Recurring Deposit (RD)
6.7% annual rate for 5-year recurring deposits, suitable for disciplined, monthly saving plans.
What This Means for Investors
The October–December 2025 rates snapshot shows stability across most popular Post Office savings schemes and fixed deposits. For many savers, this consistency helps with financial planning, especially for those counting on steady, predictable interest income. While some market-linked products may offer higher returns elsewhere, the security and government backing of these Post Office schemes provide a reliable backbone for a diversified savings strategy.
How to Invest or Reassess Your Portfolio
If you already hold any of these schemes, review the quarterly notification to confirm your current rates and maturity timelines. For new investments, compare the various options in light of your goals: long-term retirement funding (PPF, SSY for the girl child), regular income (POMIS), or a mix of fixed deposits with different tenures to meet liquidity needs.
Bottom Line
With the latest release, the government reaffirms its commitment to stable, secure savings avenues through Post Office schemes. Whether you are saving for retirement, education, or steady income, the Oct–Dec 2025 rates give you a clear framework to plan and optimize your investments within the public savings ecosystem.
