
Small Savings Schemes: PPF, Post Office Savings Rates Remain Static for July-September 2025
New Delhi, July 1, 2025: The Finance Ministry has announced that interest rates on various small savings schemes will remain unchanged for the 2nd quarter of the financial year 2025-26 (July 1 to September 30, 2025). This marks the 6th consecutive quarter without revisions, ensuring stability for millions of investors relying on schemes like the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), and National Savings Certificate (NSC). The decision, detailed in a notification issued on June 30, 2025, reflects the government’s cautious approach amid fluctuating bond yields and economic conditions.
So, everyone expected rate cuts this year, what with bond yields dipping and the RBI dropping hints about easing up on the repo rate in 2025. Instead, the government’s basically hit the pause button: no changes. The 10-year government bond yield slid down to 6.269% by late June (it was sitting at 6.779% earlier, FYI), which got analysts buzzing about possible tweaks. But the Finance Ministry’s sticking with their playbook—steady rates to balance decent returns and fiscal discipline.
For investors banking on small savings schemes, this is actually pretty comforting—no curveballs, just steady ground for long-term planning. Of course, financial advisors are still out here waving their “consider debt mutual funds” banners for those looking to mix things up. The big takeaway? Rates are steady, savers can breathe easy for now, but the next review’s in September 2025.
Keywords: small savings schemes, PPF interest rate, Sukanya Samriddhi Yojana, National Savings Certificate, post office savings, interest rates 2025, Finance Ministry, Q2 FY26, investment options, personal finance