![Interest Rate on National Savings Schemes [Nov 2025]](https://hellobanker.in/wp-content/uploads/2025/11/Interest-Rate-on-National-Savings-Schemes-Nov-2025.webp)
National Savings Schemes offer good interest rate and you can definitely think to invest your hard-earned money in these schemes. Let’s have a look at the Interest Rate offered on National Savings Schemes.
Interest Rates for Small Savings Schemes (2025–2026)
| Scheme | April–June | July–Sep | Oct–Dec |
|---|---|---|---|
| Savings Account | 4.0 | 4.0 | 4.0 |
| 1 Year Time Deposit | 6.9 | 6.9 | 6.9 |
| 2 Year Time Deposit | 7.0 | 7.0 | 7.0 |
| 3 Year Time Deposit | 7.1 | 7.1 | 7.1 |
| 5 Year Time Deposit | 7.5 | 7.5 | 7.5 |
| 5 Year Recurring Deposit | 6.7 | 6.7 | 6.7 |
| 5 Year Senior Citizens Savings Scheme | 8.2 | 8.2 | 8.2 |
| 5 Year Monthly Income Account | 7.4 | 7.4 | 7.4 |
| 5 Year National Savings Certificate | 7.7 | 7.7 | 7.7 |
| Public Provident Fund (PPF) | 7.1 | 7.1 | 7.1 |
| Sukanya Samriddhi Account Scheme | 8.2 | 8.2 | 8.2 |
| Kisan Vikas Patra | 7.5 (will mature in 115 months) | 7.5 (will mature in 115 months) | 7.5 (will mature in 115 months) |
National Savings Schemes
| Name of Scheme | Maturity period | Features |
| Post Office Saving Account | No period prescribed | Minimum Rs. 500/- & No maximum limit. Interest up to Rs. 10000/- is tax free. |
| National Savings Recurring Deposit Account | 5 Years | Minimum Rs. 100/- per month. No maximum limit. Can be prematurely closed after three years from the date of opening of the account. Can also be extended after maturity with/without deposit. |
| National Savings Time Deposit Account | 1 Year2 Year3 Year5 Year | Minimum Rs. 1000/- and in multiples thereof. No Maximum Limit. Interest calculated on quarterly basis and payable annually. Tax rebate under Sec-80C of I.T. Act is available in 5 Year TD Account. |
| National Savings (Monthly Income Account) Scheme | 5 Years | Minimum Rs. 1000/- & in the multiple thereof. Maximum Rs. 9 Lakhs in Single Account and Rs. 15 Lakhs in Joint. Interest payable every month. Can be prematurely closed after completion of one year from date of opening of account. |
| Senior Citizen Savings Scheme | 5 Years | Minimum Rs. 1000/- & in the multiples thereof with maximum of Rs. 30 Lakhs. Interest payable quarterly. Can also be prematurely closed. Account can be extended on maturity. Income tax rebate under sec.80C of IT Act is available. |
| National Saving certificate (VIII issue) | 5Years | Minimum Rs. 1000/- and no maximum limit. Tax rebate under sec-80C of IT Act is available. |
| Kisan Vikas Patra | Variable | Minimum Rs. 1000/- and no maximum limit. Money doubles on maturity. Can be prematurely encashed after 2 ½ years at prescribed rates. |
| Public Provident Fund Scheme | 15 Years | Minimum Rs. 500/- & Maximum Rs. 150000/- in a F.Y. Tax free interest. Income tax rebate under sec.80C of IT Act is available. Facility of withdrawal and loan is available after prescribed period. Can also be prematurely closed subject to conditions. Account can be extended in block period of five years. |
| Sukanya Samriddhi Account | 21 Years | Minimum Rs. 250/- & Maximum Rs. 150000/- in a F.Y. Tax free interest. Income tax rebate under sec.80C of IT Act is available. 50% of balance can be withdrawn for higher education after attaining the age of 18 years or passing tenth standard, whichever is earlier. |
How to open National Savings Schemes Account?
If you want to open an account under any scheme, you need to visit any branch of a bank or post office. After completing the required formalities, you can easily open your account.
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