Small Savings

The government on Tuesday left interest rates unchanged for various small savings schemes, including PPF and NSC, for the seventh straight quarter beginning October 1, 2025. "The rates of interest on various Small Savings Schemes for the third quarter of FY 2025-26, starting from 1st October, 2025 and ending on 31st December, 2025 shall remain unchanged from those notified for the second quarter (1st July, 2025 to 30th September, 2025) of FY 2025-26," the finance ministry said in a 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 ..

Department's twice-yearly drive seeks to protect depositors' funds and prevent unauthorised access

The central bank on Friday reduced the repo rate by 25 basis points to 6.25 per cent from 6.5 per cent following its first monetary policy review of the year

Shift to new tax regime, steady rates affect collections

India has projected gross market borrowing at 15.43 trn Indian rupees ($185.88 bn) for the fiscal year ending on March 31, of which it plans to borrow 8.88 trn rupees between April and Sept

The interest rate for SCSS was increased to 8.2% from 8%, and that of the monthly income scheme was increased to 7.4% from 7.1%

Rate on National Savings Certificate steeply raised by 70 bps, PPF kept unchanged

The interest rate on the Public Provident Fund has yet again been kept unchanged at 7.1%

Bonds have since pared their gains, with the budget math increasingly looking daunting as commercial interest rates soar tracking a tight monetary policy

Small savings rates for 1-year time deposit (6.6 per cent), 2-year time deposit (6.8 per cent) and 3-year time deposit (6.9 per cent) were raised by 110 bps

Rick talks about clients relating to him better because he had the courage to display his vulnerability and talk about the lessons learnt from his mistakes

National Savings Certificate, Public Provident Fund rate kept unchanged

If this happens, it will be the 10th straight quarter of status quo; govt official says Centre did not cut rates when policy rates were being cut during pandemic

Maharashtra has also seen an increase in net collections in recent years

Investors who want to avoid their long lock-in can choose from a host of other high credit quality options

While govt's market borrowings have doubled from FY16 to FY22, NSSF loans to finance fiscal deficit have grown 11x

However, do so only if your asset allocation requires you to invest more on the debt side, and you are comfortable with the long lock-in

Costlier loans from NSSF, at 7.4% interest rate, will occupy more than 10% share in govt's outstanding public debt soon, all to give the small saver a higher interest rate than the market

A record, this is 25% more than last year, and 130% more than the average of the past five years

Collections by small savings schemes crossed Rs 1 trillion in April-September for the first time