Interest rates offered on Post Office small savings schemes, such as Public Provident Fund (PPF), National Savings Certificate (NSC), and others, may be reduced as the Finance Ministry is set to review the rates on September 30, 2025. The new rates will apply for the October-December 2025 quarter.

The development going to be particularly significant since the government has refrained from lowering the interest rates offered on such small savings schemes, including the Sukanya Samriddhi Account (SSA) and Senior Citizens Savings Scheme (SCSS) until now, despite three reductions in the repo rate—the rate at which banks borrow from the Reserve Bank of India (RBI)—so far this year.

Why rates could fall

The Reserve Bank of India has implemented three significant reductions to the repo rate th

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