Govt Freezes Small Savings Rates for 2025: SSY, NSC, PPF Offer Stable Returns

• Central government kept small savings scheme interest rates unchanged for the October-December 2025 quarter.
• Key rates: SSY & SCSS 8.2%, PPF 7.1%, NSC 7.7%, KVP 7.5%, Post Office Savings 4%.
• Rates maintained despite G-Sec yield fluctuations and RBI rate cuts to encourage domestic savings.
• PPF and SSY interest is tax-exempt; 80C deductions available for PPF, SSY, NSC, 5-year FD.
• Schemes offer higher, stable returns compared to bank FDs, appealing to long-term investors and retirees.

Why It Matters: Small savings rates remain unchanged for 2025, offering stable, higher returns and tax benefits.