<h1>Government keeps small savings scheme rates unchanged for sixth straight quarter through September 2025</h1> The government maintained unchanged interest rates for all small savings schemes for the sixth consecutive quarter from July-September 2025. The finance ministry notification confirmed rates remain identical to the previous quarter, with the scheme earning 8.2%, three-year term deposits at 7.1%, savings deposits at 4%, investment certificates at 7.7%, farmer development certificates at 7.5%, and monthly income schemes at 7.4%. The last rate adjustment occurred in the fourth quarter of 2023-24. These schemes are primarily operated through post offices and banks, with rates reviewed quarterly by authorities.