🔍 Overview
The Government of India has kept interest rates unchanged for key small savings schemes—Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY)—for the April to June 2025 quarter.
These schemes are backed by the government, making them safe and tax-efficient savings options for long-term investors.
📊 Interest Rates (April–June 2025)
| Scheme | Interest Rate (%) | Status | Purpose |
|---|---|---|---|
| Public Provident Fund (PPF) | 7.1% | Unchanged | Retirement savings |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | Unchanged | Savings for girl child’s future |
✅ These rates are the same as in January–March 2025.
📰 Confirmed by: News18, BusinessToday, Hindustan Times
🏛️ Why Rates Are Unchanged
- Government aims to provide stability and predictability to investors.
- Rates are linked to G-Sec yields as per Shyamala Gopinath Committee (2011).
- Market conditions did not call for changes this quarter.
📅 Historical Context
| Quarter | PPF Rate | SSY Rate |
|---|---|---|
| Jan – Mar 2024 | 7.1% | 8.0% |
| Apr – Jun 2024 | 7.1% | 8.0% |
| Jan – Mar 2025 | 7.1% | 8.2% |
| Apr – Jun 2025 | 7.1% | 8.2% |
📌 PPF has stayed at 7.1% since April 2020
📌 SSY increased to 8.2% in Jan 2024 and remains the same
💡 What It Means for Investors
PPF (7.1%)
- Long-term tax-saving investment
- Suitable for retirement planning
- Offers tax benefits under Section 80C
SSY (8.2%)
- High return scheme for girl child welfare
- Ideal for parents investing for their daughter’s education/marriage
- Offers tax exemption on both investment and interest
🔎 Verification Challenge
- No direct update yet on the official India Post site
- Rates confirmed across multiple reliable news outlets
🗞 Sources include:
- News18 (Mar 28, 2025)
- BusinessToday
- Hindustan Times
- The Economic Times
- The Hindu
🚀 Outlook
Although earlier reports hinted at possible rate cuts in 2025, the government chose to maintain status quo, ensuring steady returns.
👉 This consistency is appreciated by senior citizens, parents, and long-term savers who prefer safe investments over market-linked volatility.
✅ Conclusion
The interest rates for PPF (7.1%) and SSY (8.2%) will remain unchanged from April to June 2025, offering stable, tax-friendly returns for Indian investors.
Plan your investments accordingly and make the most of these government-backed schemes!