The Government of India has decided to keep the interest rates for popular small savings schemes, including Public Provident Fund (PPF) and National Savings Certificate (NSC), unchanged for the seventh consecutive quarter. This decision will remain effective from October 1, 2025, to december 31, 2025.
Key Points to Note:
1. Interest Rates Unchanged:
o The interest rates for PPF, NSC, and other small savings schemes will continue at the same levels as before, providing consistency for investors.
2. Why It Matters:
o Small savings schemes are often seen as safe and reliable investment options, especially for long-term savings and tax-saving purposes.
o The PPF and NSC are particularly popular among individuals seeking to build wealth in a secure, government-backed environment.
Interest Rates for Popular Small Savings Schemes (Q4 2025)
· Public Provident Fund (PPF): 7.1% per annum (compounded annually)
· National Savings Certificate (NSC): 7.0% per annum (compounded annually)
· Senior Citizens Savings Scheme (SCSS): 8.0% per annum
· Sukanya Samriddhi Yojana: 7.6% per annum
· Kisan Vikas Patra (KVP): 7.5% per annum
Impact on Investors:
· Stability: With no change in rates, investors can expect consistent returns over the next quarter.
· Tax Savings: Both PPF and NSC remain attractive options for tax-saving under Section 80C.
· Safety: These schemes are backed by the Indian government, making them safe investment options for conservative investors.
Why No Change?
The government’s decision to keep rates unchanged might be in response to the current economic scenario, where inflation rates and overall market conditions dictate the stability of interest rates. These small savings schemes offer a guaranteed return, making them attractive during uncertain times.
Conclusion:
For the next quarter (October to december 2025), there will be no change in interest rates for PPF, NSC, and other small savings schemes. Investors who rely on these schemes for safe and stable returns can continue their investments without any concerns about rate changes.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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