From Sukanya Samriddhi To PPF --Check Rate Of Interest Of All 13 Small Savings Scheme For January-March Quarter 2025

The government has left the interest rates unchanged on various small savings schemes, including PPF and NSC, for the fourth straight quarter beginning January 1, 2025.

 

"The rates of interest on various small savings schemes for the fourth quarter of FY 2024-25, starting from January 1, 2025, and ending on March 31, 2025, shall remain unchanged from those notified for the third quarter (October 1, 2024, to December 31, 2024) of FY 2024-25," said a finance ministry notification.

 

As per the notification, deposits under the Sukanya Samriddhi scheme will attract an interest rate of 8.2 per cent, while the rate on a three-year term deposit remains at 7.1 per cent prevailing in the current quarter. The interest rates for popular Public Provident Fund (PPF) and post office savings deposit schemes too have been retained at 7.1 per cent and 4 per cent, respectively. 

The interest rate on the Kisan Vikas Patra will be 7.5 per cent, and the investments will mature in 115 months. The interest rate on the National Savings Certificate (NSC) will remain at 7.7 per cent for the January-March 2025 period. Like the current quarter, the Monthly Income Scheme will earn 7.4 per cent for investors.

 

The interest rates have been left unchanged for the last four quarters now. The government had last made changes in some schemes for the fourth quarter of the last fiscal.

 

The government notifies the interest rates on small savings schemes, majorly operated by post offices and banks, every quarter.

Check Latest Rate Of Interest Of All 13 Small Savings Scheme applicable For January-March 2025

 

Sl.No. Instruments Rate of interest w.e.f 01.01.2025 to 31.03.2025 Compounding Frequency* 01. Post Office Savings Account 4.0 Annually 02. 1 Year Time Deposit 6.9 (Annual Interest ₹708 for ₹10,000/-) Quarterly 03. 2 Year Time Deposit 7.0 (Annual Interest ₹719 for ₹10,000/-) Quarterly 04. 3 Year Time Deposit 7.1 (Annual Interest ₹719 for ₹10,000/-) Quarterly 05. 5 Year Time Deposit 7.5 (Annual Interest ₹771 for ₹10,000/-) Quarterly 06. 5 Year Recurring Deposit Scheme 6.7 Quarterly 07. Senior Citizen Savings Scheme 8.2 (Quarterly Interest ₹205 for ₹10,000/-) Quarterly and Paid 08. Monthly Income Account 7.4 (Monthly Interest ₹62 for ₹10,000/-) Monthly and paid 09. National Savings Certificate (VIII Issue) 7.7 (Maturity Value ₹14,490 for ₹10,000/-) Annually 10. Public Provident Fund Scheme 7.1 Annually 11. Kisan Vikas Patra 7.5 (will mature in 115 months) Annually 12. Mahila Samman Savings Certificate 7.5 (Maturity Value ₹11,602 for ₹10,000/-) Quarterly 13. Sukanya Samriddhi Account Scheme 8.2 Annually

The interest rate on small savings schemes, which is majorly operated by post offices, is notified by the government on quarterly basis.