Outlook Money
The interest rates of the small savings scheme remain unchanged from April-June 2025, according to the government.
The schemes include: the Public Provident Fund (PPF) with an interest rate of 7.1 per cent and Post Office Savings Deposit at 4 per cent.
The interest rates for the Sukanya Samriddhi Yojana (SSY) remain at 8.2 per cent and for Senior Citizen Savings Scheme (SCSS) at 8.2 per cent.
For Five-Year Recurring Deposit (RD), the interest rate remains at 6.7 per cent and for Three-Year Fixed Deposit, it remains at 7.1 per cent.
Due to the provided security and comparatively higher interest rates than traditional bank savings accounts, these government-supported savings schemes attract investors.
Interest rates on these small saving schemes are quarterly revised by the government, while considering the economic and market conditions.
Investors investing in these schemes help make informed decisions about financial. As a result, the returns are not impacted by the fluctuating market.
Small savings schemes direct household savings into the economy for productive investment.