Looking for safe investments with guaranteed returns backed by the Government of India?
Small savings schemes are a great choice — ideal for conservative investors, retirees, and long-term savers.
Here’s a full list of latest interest rates (July–September 2025) for all small savings schemes.
🔍 What Are Small Savings Schemes?
These are government-run savings plans like:
- PPF (Public Provident Fund)
- Sukanya Samriddhi Yojana
- Senior Citizens Savings Scheme
- NSC, KVP, Post Office RD and FD
They are low-risk and offer fixed, often tax-free or tax-saving, returns.
📊 Latest Small Savings Schemes Interest Rates (Q2 FY 2025–26)
| Scheme | Interest Rate (Annualized) |
|---|---|
| 🏦 PPF | 7.1% (Compounded yearly) |
| 👧 Sukanya Samriddhi Yojana | 8.2% (Compounded yearly) |
| 👴 Senior Citizens Saving Scheme (SCSS) | 8.3% (Quarterly payout) |
| 🧾 National Savings Certificate (NSC) | 7.7% (Compounded annually) |
| 💳 Kisan Vikas Patra (KVP) | 7.5% (Maturity in 115 months) |
| 🏠 Post Office RD | 6.7% (Compounded quarterly) |
| 💼 Post Office FD (1–5 Years) | 6.9% – 7.5% depending on term |
| 💳 Monthly Income Scheme (MIS) | 7.4% (Monthly interest payout) |
🔄 Updated quarterly by the Ministry of Finance, Government of India.
📌 Which Scheme is Best for You?
| Goal | Recommended Scheme |
|---|---|
| Long-term, tax-free savings | PPF (15 years) |
| Girl child’s future | Sukanya Samriddhi |
| Retirement income | SCSS, MIS |
| Safe post-tax returns | NSC, KVP |
| Monthly income | Post Office MIS |
✅ Tax Benefits
- 80C Benefits: PPF, Sukanya, SCSS, NSC
- Tax-Free Returns: PPF, Sukanya
- Taxable: Interest from MIS, RD, FD, SCSS
Always check the maturity, lock-in, and taxability before investing.
🔁 Related Posts:
- PPF vs FD – Which Is Better in 2025?
- Best Safe Investment Options in India
- Beginner’s Guide to Starting a PPF Account
- How to Save Tax on ₹5 Lakh Salary (India)
💬 Final Thought
Small savings schemes are perfect for those who want steady growth, capital protection, and peace of mind.
Whether you’re saving for retirement, a child’s education, or just want to park your money safely — these plans deserve your attention.
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