Post Office (POSB) Interest Rates for October to December 2025
POSB Interest Rates for October to December 2025
The Post Office Savings Bank (POSB) has announced the interest rates for its small savings schemes for the quarter October–December 2025. These schemes continue to be among the most trusted investment options for households in India, offering stability, government backing, and assured returns.
Savings and Deposit Accounts
Savings Deposit: 4.0%
1-Year Time Deposit: 6.9%
2-Year Time Deposit: 7.0%
3-Year Time Deposit: 7.1%
5-Year Time Deposit: 7.5%
Time Deposits remain attractive for investors seeking fixed-income returns over medium to long-term horizons, with the 5-year deposit offering the highest return at 7.5%.
Recurring and Monthly Income Schemes
5-Year Recurring Deposit: 6.7%
Monthly Income Account Scheme: 7.4%
These schemes are suitable for investors who prefer systematic savings or require a steady monthly income stream.
Senior Citizen and Long-Term Savings
Senior Citizen Savings Scheme (SCSS): 8.2%
Public Provident Fund (PPF): 7.1%
Sukanya Samriddhi Account: 8.2%
The SCSS and Sukanya Samriddhi Account offer the highest returns at 8.2%, making them ideal for retirement planning and financial security for the girl child, respectively. PPF also continues to be a popular choice for long-term, tax-saving investments.
Certificates and Bonds
National Savings Certificate (NSC): 7.7%
Kisan Vikas Patra (KVP): 7.5% (Maturity at 115 months)
These instruments provide assured government-backed returns and are especially favored by conservative investors.
Overall Outlook
The interest rates for October–December 2025 reflect the government’s continued focus on promoting financial security through small savings schemes. With rates ranging from 4% for savings deposits to 8.2% for senior citizen and girl child-focused schemes, POSB offerings continue to cater to a wide variety of financial goals—whether short-term liquidity, monthly income, or long-term wealth accumulation.
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