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Interest Rate on National Savings Schemes

  • Scheme Wise Interest Rate
  • w.e.f. 1st April 2025 onwards
    2025- 2026
    April-June July-Sep Oct-Dec Jan-Mar
    Savings Account 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
    5 Year Recurring Deposit 6.7
    5 Year Senior Citizens Savings Scheme 8.2
    5 Year Monthly Income Account 7.4
    5 Year National Savings Certificate 7.7
    Public Provident Fund 7.1
    Sukanya Samriddhi Account Scheme 8.2
    Kisan Vikas Patra 7.5 (will mature in 115 months)
  • w.e.f. 1st April 2022 onwards
    2022 - 2023 2023- 2024 2024- 2025
    April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar
    Savings Account 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0
    1 Year Time Deposit 5.5 5.5 5.5 6.6 6.8 6.9 6.9 6.9 6.9 6.9 6.9 6.9
    2 Year Time Deposit 5.5 5.5 5.7 6.8 6.9 7.0 7.0 7.0 7.0 7.0 7.0 7.0
    3 Year Time Deposit 5.5 5.5 5.8 6.9 7.0 7.0 7.0 7.1 7.1 7.1 7.1 7.1
    5 Year Time Deposit 6.7 6.7 6.7 7.0 7.5 7.5 7.5 7.5 7.5 7.5 7.5 7.5
    5 Year Recurring Deposit 5.8 5.8 5.8 5.8 6.2 6.5 6.7 6.7 6.7 6.7 6.7 6.7
    5 Year Senior Citizens Savings Scheme 7.4 7.4 7.6 8.0 8.2 8.2 8.2 8.2 8.2 8.2 8.2 8.2
    5 Year Monthly Income Account 6.6 6.6 6.7 7.1 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4
    5 Year National Savings Certificate 6.8 6.8 6.8 7.0 7.7 7.7 7.7 7.7 7.7 7.7 7.7 7.7
    Public Provident Fund 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1
    Sukanya Samriddhi Account Scheme 7.6 7.6 7.6 7.6 8.0 8.0 8.0 8.2 8.2 8.2 8.2 8.2
    Kisan Vikas Patra 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 7.0 (will mature in 123 months) 7.2 (will mature in 120 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months)
  • w.e.f. 1st April 2019 to 31st March 2022
    2019 - 2020 2020- 2021 2021- 2022
    April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar
    Savings Account 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0
    1 Year Time Deposit 7.0 6.9 6.9 6.9 5.5 5.5 5.5 5.5 5.5 5.5 5.5 5.5
    2 Year Time Deposit 7.0 6.9 6.9 6.9 5.5 5.5 5.5 5.5 5.5 5.5 5.5 5.5
    3 Year Time Deposit 7.0 6.9 6.9 6.9 5.5 5.5 5.5 5.5 5.5 5.5 5.5 5.5
    5 Year Time Deposit 7.8 7.7 7.7 7.7 6.7 6.7 6.7 6.7 6.7 6.7 6.7 6.7
    5 Year Recurring Deposit 7.3 7.2 7.2 7.2 5.8 5.8 5.8 5.8 5.8 5.8 5.8 5.8
    5 Year Senior Citizens Savings Scheme 8.7 8.6 8.6 8.6 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4
    5 Year Monthly Income Account 7.7 7.6 7.6 7.6 6.6 6.6 6.6 6.6 6.6 6.6 6.6 6.6
    5 Year National Savings Certificate 8.0 7.9 7.9 7.9 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8
    Public Provident Fund 8.0 7.9 7.9 7.9 7.1 7.1 7.1 7.1 7.1 7.1 7.1 7.1
    Sukanya Samriddhi Account Scheme 8.5 8.4 8.4 8.4 7.6 7.6 7.6 7.6 7.6 7.6 7.6 7.6
    Kisan Vikas Patra 7.7 (will mature in 112 months) 7.6 (will mature in 113 months) 7.6 (will mature in 113 months) 7.6 (will mature in 113 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months) 6.9 (will mature in 124 months)
  • w.e.f. 1st April 2016 to 31st March 2019
    2016 - 2017 2017- 2018 2018 - 2019
    April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar April-June July-Sep Oct-Dec Jan-Mar
    Savings Account 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0
    1 Year Time Deposit 7.1 7.1 6.9 6.9 6.9 6.8 6.8 6.6 6.6 6.6 6.9 7.0
    2 Year Time Deposit 7.2 7.2 7.1 7.1 7 6.9 6.9 6.7 6.7 6.7 7.0 7.0
    3 Year Time Deposit 7.4 7.4 7.3 7.3 7.2 7.1 7.1 6.9 6.9 6.9 7.2 7.0
    5 Year Time Deposit 7.9 7.9 7.8 7.8 7.7 7.6 7.6 7.4 7.4 7.4 7.8 7.8
    5 Year Recurring Deposit 7.4 7.4 7.3 7.3 7.2 7.1 7.1 6.9 6.9 6.9 7.3 7.3
    5 Year Senior Citizens Savings Scheme 8.6 8.6 8.5 8.5 8.4 8.3 8.3 8.3 8.3 8.3 8.7 8.7
    5 Year Monthly Income Account 7.8 7.8 7.7 7.7 7.6 7.5 7.5 7.3 7.3 7.3 7.7 7.7
    5 Year National Savings Certificate 8.1 8.1 8.0 8.0 7.9 7.8 7.8 7.6 7.6 7.6 8.0 8.0
    Public Provident Fund 8.1 8.1 8.0 8.0 7.9 7.8 7.8 7.6 7.6 7.6 8.0 8.0
    Sukanya Samriddhi Account Scheme 8.6 8.6 8.5 8.5 8.4 8.3 8.3 8.1 8.1 8.1 8.5 8.5
    Kisan Vikas Patra 7.8 (will mature in 110 months) 7.8 (will mature in 110 months) 7.7 (will mature in 112 months) 7.7 (will mature in 112 months) 7.6 (will mature in 113 months) 7.5 (will mature in 115 months) 7.5 (will mature in 115 months) 7.3 (will mature in 118 months) 7.3 (will mature in 118 months) 7.3 (will mature in 118 months) 7.7 (will mature in 112 months) 7.7 (will mature in 112 months)
  • w.e.f. 1st Dec 2011 to 31st March 2016
    2011-2012
    (w.e.f 01/12/2011)    		 2012-2013 2013-2014 2014-2015 2015-2016
    Savings Account 4.0 4.0 4.0 4.0 4.0
    1 Year Time Deposit. 7.7 8.2 8.2 8.4 8.4
    2 Year Time Deposit. 7.8 8.3 8.2 8.4 8.4
    3 Year Time Deposit 8.0 8.4 8.3 8.4 8.4
    5 Year Time Deposit. 8.3 8.5 8.4 8.5 8.5
    5 Year Recurring Deposit 8.0 8.4 8.3 8.4 8.4
    Monthly Income Account 8.2 8.5 8.4 8.4 8.4
    Senior Citizens Savings Scheme 9.0 9.3 9.2 9.2 9.3
    National Savings Certificate VIII Issue 8.4 8.6 8.5 8.5 8.5
    Kisan Vikas Patra 8.7(100 Months) 8.7(100 Months)
    Public Provident Fund 8.6 8.8 8.7 8.7 8.7
    Sukanya Samriddhi Account 9.1 9.2

  • w.e.f. 1990 to 30th Nov 2011
    1990-91 1991-92 1992-93 1993-94 1994-95 1995-96 1996-97 1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11
    Savings Account 5.50 5.50 5.50 5.50 5.50 5.50 5.50 5.50 4.50 4.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50
    Time Deposit 1 Yr. 12.00 12.00 12.00 10.50 10.50 10.50 10.50 10.50 9.00 8.00 7.50 7.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25
    Time Deposit 2 Yr. 12.00 12.00 12.00 11.00 11.00 11.00 11.00 11.00 10.00 9.00 8.00 7.50 6.50 6.50 6.50 6.50 6.50 6.50 6.50 6.50 6.50
    Time Deposit 3Yr. 13.00 13.00 13.00 12.00 12.00 12.00 12.00 12.00 11.00 10.00 9.00 8.25 7.25 7.25 7.25 7.25 7.25 7.25 7.25 7.25 7.25
    Time Deposit 5 Yr. 13.50 13.50 13.50 12.50 12.50 12.50 12.50 12.50 11.50 10.50 9.00 8.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50
    Recurring Deposit 13.50 13.50 13.50 12.50 12.50 12.50 12.50 12.50 11.50 10.50 9.00 8.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50 7.50
    Monthly Income Account 14.00 14.00 14.00 13.00 13.00 13.00 13.00 13.00 12.00 11.00 9.50 9.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00
    Senior Citizens Savings Scheme Lauched in f.y 2004 9.0 9.0 9.0 9.0 9.0 9.0 9.0 9.0
    NSC VIII Issue 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 11.50 11.00 9.50 9.00 8.00 8.00 8.00 8.00 8.00
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    National Savings Institute, Ministry of Finance (DEA) Govt. of India First Floor,ICCW Building.4,Deen Dayal Upadhayaya Marg,New Delhi-110002.
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