Has The Public Provident Fund Interest Rate For July-September 2025 Been Revised?
Last Updated:July 08, 2025, 15:54 IST
PPF is a safe, long-term savings option that provides fixed returns along with tax benefits.
You can open a PPF account with Rs 500 to Rs 1.5 lakh per year.
The Public Provident Fund (PPF) continues to be one of the most trusted long-term savings options in India. It offers tax benefits and stable returns and is backed by the government. Interest rates for PPF and other small savings schemes are reviewed every quarter by the Indian government. So, has the PPF interest rate been changed for the July–September quarter?
The answer is no. The government has decided to keep the interest rate unchanged for the second quarter of the 2025–26 financial year. This means the same rates from April–June 2025 will apply from July 1 to September 30.
It marks the sixth quarter in a row where the interest rates have remained the same. By doing this, the government aims to keep these small savings schemes safe and appealing to everyday investors who want steady growth without taking risks.
On June 30, the Ministry of Finance released an official statement: “The rates of interest on various Small Savings Schemes for the second quarter of FY 2025–26 starting from 1st July 2025 and ending on 30th September 2025 shall remain unchanged from those notified for the first quarter (April to June) of FY 2025–26.” This announcement was shared by the PTI news agency.
Currently, the PPF offers an interest rate of 7.1 per cent per year, which is compounded annually. This rate will remain the same in the July–September quarter, along with other small savings schemes like the National Savings Certificate (NSC) scheme.
Key Things to Know About PPF
Who can open a PPF account?
Any resident Indian can open a PPF account in their name through a bank or post office.
Deposit Limits:
You must deposit at least Rs 500 per year to keep the account active. The maximum allowed per financial year is Rs 1.5 lakh.
Inactive Account?
It can be reactivated by paying Rs 500 for each missed year and a Rs 50 penalty per missed year.
Maturity and Extension:
The PPF account matures after 15 years from the end of the financial year it was opened. After maturity, it can be extended in 5-year blocks with or without further contributions. If you continue depositing, you will earn interest on both the old and new amounts.
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More
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