PPF Rate Frozen Again: Is Your 7.1% Return Enough?
The government has kept PPF, Sukanya Samriddhi, NSC and Senior Citizens' Savings Scheme interest rates unchanged for July–September 2025. PPF stays at 7.1%. If you rely on these for retirement or your daughter's future, here's what it means.
At 7.1%, your ₹1.5L yearly PPF grows slower than a ₹5,000/month SIP in a large-cap fund
Your PPF and Sukanya returns have stayed frozen for over 2 years
Key Takeaways
Max out your ₹1.5 lakh annual PPF contribution before the 5th of each month to earn full month's interest.
Compare: if your daughter is under 10, open a Sukanya Samriddhi account now — 8.2% tax-free beats most FDs.
If you are 60+, check SCSS — ₹30 lakh deposit at 8.2% gives roughly ₹20,500/month in guaranteed income.
The government has kept PPF, Sukanya Samriddhi, NSC and Senior Citizens' Savings Scheme interest rates unchanged for July–September 2025. PPF stays at 7.1%. If you rely on these for retirement or your daughter's future, here's what it means.
Here's what happened: Small savings rates — PPF at 7.1%, Sukanya at 8.2%, NSC at 7.7% — stay unchanged for the ninth straight quarter.. Senior Citizens' Savings Scheme (SCSS) continues at 8.2%, making it one of the highest guaranteed returns for retirees.. The government reviews small savings rates quarterly, but has held them steady since early 2023 despite RBI rate movements..
What you should do: Max out your ₹1.5 lakh annual PPF contribution before the 5th of each month to earn full month's interest.. Compare: if your daughter is under 10, open a Sukanya Samriddhi account now — 8.2% tax-free beats most FDs.. If you are 60+, check SCSS — ₹30 lakh deposit at 8.2% gives roughly ₹20,500/month in guaranteed income..
Deposit into PPF before April 5 each year to earn interest for April — missing this one date costs you a full month's compounding on your entire balance.
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- [1]“No change in PPF, Sukanya and other small savings interest rates for July-September” Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News · 30 Jun 2026
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