NEWS ON INTEREST RATES

REPO RATE KEPT  UNCHANGED

Dated  01.10.2025 : The Monetary Policy Committee (MPC) held its 57th meeting from September 29 to October 1, 2025, under the chairmanship of Shri Sanjay Malhotra, Governor, Reserve Bank of India. The MPC members Dr. Nagesh Kumar, Shri Saugata Bhattacharya, Prof. Ram Singh, Dr. Poonam Gupta and Shri Indranil Bhattacharyya attended the meeting.

 After a detailed assessment of the evolving macroeconomic and financial developments and the outlook, the MPC voted unanimously to keep the policy repo rate under the liquidity adjustment facility (LAF) unchanged at 5.50 per cent; consequently, the standing deposit facility (SDF) rate remains at 5.25 per cent while the marginal standing facility (MSF) rate and the Bank Rate remains at 5.75 per cent. The MPC also decided to continue with the neutral stance.

The MPC observed that the overall inflation outlook has turned even more benign in the last few months, due to the reasons discussed above. The average headline inflation for 2025-26 is now revised lower from 3.7 per cent and 3.1 per cent projected in June and August policy, respectively, to 2.6 per cent. Headline inflation for Q4:2025-26 and Q1:2026-27 too have been revised downwards and are broadly aligned with the target, despite unfavourable base effects. Core inflation for this year and Q1:2026-27 is also expected to remain contained.

Growth outlook remains resilient, supported by domestic drivers, despite weak external demand. It is likely to get further support from a favourable monsoon, lower inflation, monetary easing and the salubrious impact of recent GST reforms. However, growth continues to be below our aspirations. Even though the growth projection for the financial year 2025-26 is being revised upwards, the forward-looking projections for Q3 and beyond are expected to be slightly lower than projected earlier, primarily due to tariff-related developments, despite being partially offset by the impetus provided by the rationalisation of GST rates.

To summarize, there has been a significant moderation in inflation. Moreover, the prevailing global uncertainties and tariff related developments are likely to decelerate growth in H2:2025-26 and beyond. The current macroeconomic conditions and the outlook has opened up policy space for further supporting growth. However, the MPC noted that the impact of the front-loaded monetary policy actions and the recent fiscal measures is still playing out. The trade related uncertainties are also unfolding. The MPC, therefore, considered it prudent to wait for the impact of policy actions to play out and greater clarity to emerge before charting the next course of action. Accordingly, the MPC unanimously voted to keep the policy repo rate unchanged at 5.5 per cent. The MPC also decided to retain the stance at neutral. However, two members – Dr. Nagesh Kumar and Prof. Ram Singh, were of the view that the stance be changed from neutral to accommodative. 

The next meeting of the MPC is scheduled from December 3 to 5, 2025.

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SMALL SAVINGS TERM INTEREST RATES KEPT UNCHANGED

 POST OFFICE INTEREST RATES

DATED   01.10.2025  : The interest rates on small savings schemes for the ensuing quarter from October 2025 to December 2025 are kept unchanged, and the present rates will continue up to 31st , December 2025. The rates are

1. The Public Provident Fund : 7.1 % pa
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa 

                3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa

4. Sukanya Samruddhi Account : 8.20 % pa 5. Senior Citizen Scheme : 8.20 % . pa
5. Monthly Income scheme : 7.4 % pa 
6. Term Deposits : For the period 1 year :6.9 % pa For the period 2 years : 7.0 % For the period 3 years : 7.10 %5 year term deposit : 7.50 % pa
7. 5 year Recurring Deposit : 6.7% pa

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REPO RATE KEPT  UNCHANGED

Dated 06.08.2025 : The Monetary Policy Committee (MPC) held its 56th meeting from August 4 to 6, 2025 under the chairmanship of Shri Sanjay Malhotra, Governor, Reserve Bank of India. The MPC members Dr. Nagesh Kumar, Shri Saugata Bhattacharya, Prof. Ram Singh, Dr. Poonam Gupta and Dr. Rajiv Ranjan attended the meeting.

After assessing the current and evolving macroeconomic situation, the MPC voted to maintain the policy repo rate at 5.50 per cent. Consequently, the standing deposit facility (SDF) rate under the liquidity adjustment facility (LAF) remains unchanged at 5.25 per cent and the marginal standing facility (MSF) rate and the Bank Rate at 5.75 per cent. This decision is in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.

The MPC noted that the inflation outlook in the near term has become more benign than anticipated earlier, and the average CPI inflation this year is expected to remain significantly below the target. This is driven mainly by lower food inflation that entered deflationary territory in June. However, CPI inflation is likely to edge up above the 4 per cent target from Q4:2025-26 onwards. Moreover, core inflation has been rising steadily from the recent low of 3.6 per cent recorded during December-January 2024-25 and averaged 4.3 per cent in Q1 this year. Core excluding precious metals has witnessed an uptick and averaged 3.4 per cent in Q1.

Thus, while headline inflation is much lower than projected earlier, it is mainly due to volatile food prices, especially of vegetables. Core inflation, on the other hand, has remained steady around the 4 per cent mark, as anticipated. Inflation is projected to go up from the last quarter of this financial year. Growth is robust and as per earlier projections though below our aspirations. The uncertainties of tariffs are still evolving.Monetary policy transmission is continuing. The impact of the 100 bps rate cuts since February 2025 on the economy is still unfolding.

On balance, therefore, the current macroeconomic conditions, outlook and  uncertainties call for continuation of the policy repo rate of 5.5 per cent and wait for further transmission of the front-loaded rate cuts to the credit markets and the broader economy. Accordingly, the MPC unanimously voted to keep the repo rate nchanged.The MPC further resolved to maintain a close vigil on the incoming data and the evolving Domestic growth-inflation dynamics to chart out the appropriate monetary  policy path. Accordingly, all members decided to continue with the neutral stance.

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REPO RATE LOWERED  FURTHER 

A   Third  Cut in the year  , RBI stance altered from   ” Accommodative “ to Neutral 

Dated 06.06.2025 : The Monetary Policy Committee (MPC) held its 55th meeting from June 4 to 6, 2025 under the chairmanship of Shri Sanjay Malhotra, Governor, Reserve Bank of India. The MPC members Dr. Nagesh Kumar, Shri Saugata Bhattacharya, Prof. Ram Singh, Dr. Poonam Gupta and Dr. Rajiv Ranjan attended the meeting.

After assessing the current and evolving macroeconomic situation, the MPC voted to reduce the policy repo rate by 50 basis points (bps) to 5.50 per cent with immediate effect. Consequently, the standing deposit facility (SDF) rate under the liquidity adjustment facility (LAF) shall stand adjusted to 5.25 per cent and the marginal standing facility (MSF) rate and the Bank Rate to 5.75 per cent. This decision is in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.

After having reduced the policy repo rate by 100 bps in quick succession since February 2025, under the current circumstances, monetary policy is left with very limited space to support growth .  Hence MPC also decided to change the stance from accommodative  to neutral . 

MPC noted  that Inflation has softened significantly over the last six months from above the tolerance band in October 2024 to well below the target with signs of a broad-based moderation. The near-term and medium-term outlook now gives RBI  the confidence of not only a durable alignment of headline inflation with the target of 4 per cent, as exuded in the last meeting but also the belief that during the year, it is likely to undershoot the target at the margin. While food inflation outlook remains soft, core inflation is expected to remain benign with easing of international commodity prices in line with the anticipated global growth slowdown. The inflation outlook for the year is being revised downwards from the earlier forecast of 4.0 per cent to 3.7 per cent. Growth, on the other hand, remains lower than our aspirations amidst challenging global environment and heightened uncertainty  

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REPO RATE LOWERED

A Second Cut in the year

RBI stance altered from Neutral to ” Accommodative “

Underwhelming performance of the Economy in the first half of 2024-25.

Dated 13.04.2025 : The Reserve Bank of India announced , on the 9th of this month, that the Repo rate under the liquidity adjustment facility (LAF ) is reduced by 25 basis points to 6.00 % ( from the existing 6.25 %) in the Bi-monthly MPC meeting during the week . The standing deposit facility (SDF) rate was reduced to 5.75 percent, and the marginal standing facility (MSF) rate and the Bank Rate to 6.25 percent, as per RBI’s announcement.

MPC also decided to change the stance from neutral to accommodative. However, it noted that the rapidly evolving situation requires continuous monitoring and assessment of the economic outlook.
.

This decision is in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth

The MPC noted that inflation is currently below the target, supported by a sharp fall in food inflation. Moreover, there is a decisive improvement in the inflation outlook. As per projections, there is now a greater confidence of a durable alignment of headline inflation with the target of 4 per cent over a 12-month horizon. On the other hand, impeded by a challenging global environment, growth is still on a recovery path after an underwhelming performance in the first half of 2024-25. While the risks are evenly balanced around the baseline projections of growth, uncertainties remain high in the wake of the recent spurt in global volatility. In such challenging global economic conditions, the benign inflation and moderate growth outlook demands that the MPC continues to support growth. Accordingly, the MPC unanimously voted to reduce the policy repo rate by 25 basis points to 6.00 per cent.

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​
NEWS ALERT DATED 07.02.2025 : REPO RATE LOWERED

First Cut in Five years

RBI stance continues to be ” Neutral “

The Reserve Bank of India announced today that the Repo rate under the liquidity adjustment facility (LAF ) is reduced by 25 basis points to 6.25 % ( from the existing 6.50 %) in today’s Bi-monthly MPC meeting. The standing deposit facility (SDF) rate reduced to 6.00 percent, and the marginal standing facility (MSF) rate and the Bank Rate to 6.50 percent, as per RBI’s announcement.

.The MPC also decided to continue the monetary policy stance ‘neutral’ and to remain unambiguously focused on a durable alignment of inflation with the target, while supporting growth.

These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.

The MPC noted that inflation has declined. Supported by a favourable outlook on food and continuing transmission of past monetary policy actions, it is expected to further moderate in 2025-26, gradually aligning with the target. The MPC also noted that though growth is expected to recover from the low of Q2:2024-25, it is much below that of last year. These growth-inflation dynamics open up policy space for the MPC to support growth, while remaining focussed on aligning inflation with the target. Accordingly, the MPC unanimously voted to reduce the policy repo rate by 25 basis points to 6.25 per cent.

At the same time, excessive volatility in global financial markets and continued uncertainties about global trade policies coupled with adverse weather events pose risks to the growth and inflation outlook. This calls for the MPC to remain watchful. Accordingly, the MPC unanimously voted to continue with a neutral stance. This will provide MPC the flexibility to respond to the evolving macroeconomic environment.

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​To know the effects of RBI’S Repo rate policy, CLICK HERE

SMALL SAVINGS TERM INTEREST RATES KEPT UNCHANGED
POST OFFICE INTEREST RATES
DATED 31.12.2024 : The interest rates on small savings schemes for the ensuing quarter from January 2025 to March 2025 are kept unchanged and the present rates will continue up to 31st , March 2025. The rates are
1. The Public Provident Fund : 7.1 % pa
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa 3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa
4. Sukanya Samruddhi Account : 8.20 % pa 5. Senior Citizen Scheme : 8.20 % . pa
6. Monthly Income scheme : 7.4 % pa 7. Term Deposits : For the period 1 year :6.9 % pa
For the period 2 years : 7.0 % For the period 3 years : 7.10 %
5 year term deposit : 7.50 % pa 5 year Recurring Deposit : 6.7% pa
​To know about various post office small savings schemes , CLICK HERE
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NEWS ALERT DATED 06.12.2024 : REPO RATE KEPT UNCHANGED

RBI stance continues to be ” Neutral “

The Reserve Bank of India announced today that the Repo rate under the liquidity adjustment facility (LAF ) is kept at 6.50 % in today’s Bi-monthly MPC meeting. The standing deposit facility (SDF) rate stands at 6.25 percent and the marginal standing facility (MSF) rate and the Bank Rate at 6.75 percent, as per RBI’s announcement..The MPC also decided to continue the monetary policy stance ‘neutral’ and to remain unambiguously focused on a durable alignment of inflation with the target, while supporting growth.These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.
The MPC noted that the near-term inflation and growth outcomes in India have turned somewhat adverse since the October policy. Going forward, however, economic activity is set to improve along with rising business and consumer sentiments, as reflected in the Reserve Bank’s surveys. The recent spike in inflation highlights the continuing risks of multiple and overlapping shocks to the inflation outlook and expectations. Heightened geo-political uncertainties and financial market volatility add further upside risks to inflation. High inflation reduces the purchasing power of both rural and urban consumers and may adversely impact private consumption. The MPC emphasises that strong foundations for high growth can be secured only with durable price stability. The MPC remains committed to restoring the balance between inflation and growth in the overall interest of the economy. Accordingly, the MPC decided to keep the policy repo rate unchanged at 6.50 per cent in this meeting. The MPC also decided to continue with the neutral stance of monetary policy as it provides flexibility to monitor the progress and outlook on disinflation and growth and to act appropriately. The MPC remains unambiguously focused on a durable alignment of inflation with the target, while supporting growth.

Shri Saugata Bhattacharya, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to keep the policy repo rate unchanged at 6.50 per cent. Dr. Nagesh Kumar and Professor Ram Singh voted to reduce the policy repo rate by 25 basis points.

. Dr. Nagesh Kumar, Shri Saugata Bhattacharya, Professor Ram Singh, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted for continuing with the neutral stance of monetary policy and to remain unambiguously focused on a durable alignment of inflation with the target, while supporting growth.
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​To know the effects of RBI’S Repo rate policy, CLICK HERE

NEWS ALERT DATED 09.10.2024 : REPO RATE KEPT UNCHANGED

RBI Changes stance to ” Neutral “

The Reserve Bank of India announced today that the Repo rate under the liquidity adjustment facility (LAF ) is kept at 6.50 % in today’s Bi-monthly MPC meeting. The standing deposit facility (SDF) rate stands at 6.25 percent and the marginal standing facility (MSF) rate and the Bank Rate at 6.75 percent, as per RBI’s announcement..The MPC also decided to change the monetary policy stance to ‘neutral’ and to remain unambiguously focused on a durable alignment of inflation with the target, while supporting growth.These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.
Shri Saugata Bhattacharya, Professor Ram Singh, Dr. Rajiv Ranjan, Dr.Michael Debabrata Patra and Shri Shaktikanta Das voted to keep the policy repo rate unchanged at 6.50 per cent. Dr. Nagesh Kumar voted to reduce the policy repo rate by 25 basis points. Dr. Nagesh Kumar, Shri Saugata Bhattacharya, Professor Ram Singh, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted for a change in stance from withdrawal of accommodation to ‘neutral’ and to remain unambiguously focused on a durable alignment of inflation with the target, while supporting growth.
To read RBI PRESS RELEASE, CLICK HERE
​To know the effects of RBI’S Repo rate policy, CLICK HERE

SMALL SAVINGS TERM INTEREST RATES KEPT UNCHANGED
POST OFFICE INTEREST RATES
DATED 30.09.2024 : The interest rates on small savings schemes for the ensuing quarter from October 2024 to December 2024 are kept unchanged and the present rates will continue up to 31st , December 2024 . The rates are
1. The Public Provident Fund : 7.1 % pa
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa 3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa
4. Sukanya Samruddhi Account : 8.20 % pa 5. Senior Citizen Scheme : 8.20 % . pa
6. Monthly Income scheme : 7.4 % pa 7. Term Deposits : For the period 1 year :6.9 % pa
For the period 2 years : 7.0 % For the period 3 years : 7.10 %
5 year term deposit : 7.50 % pa 5 year Recurring Deposit : 6.7% pa
​To know about various post office small savings schemes , CLICK HERE
​To check interest rates offered by Banks in India , CLICK HERE

NEWS ALERT DATED 08.08.2024 : REPO RATE KEPT UNCHANGED
The Reserve Bank of India announced today that the Repo rate under the liquidity adjustment facility (LAF ) is kept at 6.50 % in today’s Bi-monthly MPC meeting. The standing deposit facility (SDF) rate stands at 6.25 percent and the marginal standing facility (MSF) rate and the Bank Rate at 6.75 percent, as per RBI’S announcement.
The MPC also decided to remain focused on withdrawing accommodation to ensure that inflation progressively aligns to the target, while supporting growth. These decisions are in consonance to achieve the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 percent, while supporting growth.
Dr. Shashanka Bhide, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to keep the policy repo rate unchanged at 6.50 percent. Dr. Ashima Goyal and Prof. Jayanth R. Varma voted to reduce the policy repo rate by 25 basis points.Dr. Shashanka Bhide, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to remain focused on the withdrawal of accommodation to ensure that inflation progressively aligns with the target while supporting growth. Dr. Ashima Goyal and Prof. Jayanth R. Varma voted for a change in stance to neutral.
​To read RBI PRESS RELEASE, CLICK HERE
​To know the effects of RBI’S Repo rate policy, CLICK HERE

SMALL SAVINGS TERM INTEREST RATES KEPT UNCHANGED
POST OFFICE INTEREST RATES
DATED 28.06.2024 : The interest rates on small savings schemes for the ensuing quarter from July 2024 to September 2024 is kept unchanged and the present rates will continue up to 30th, September 2024 . The rates are
1. The Public Provident Fund : 7.1 % pa
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa 3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa
4. Sukanya Samruddhi Account : 8.20 % pa 5. Senior Citizen Scheme : 8.20 % . pa
6. Monthly Income scheme : 7.4 % pa 7. Term Deposits : For the period 1 year :6.9 % pa
For the period 2 years : 7.0 % For the period 3 years : 7.10 %
5 year term deposit : 7.50 % pa 5 year Recurring Deposit : 6.7% pa
​To know about various post office small savings schemes , CLICK HERE
​To check interest rates offered by Banks in India , CLICK HERE

NEWS ALERT DATED 07.06.2024 : REPO RATE KEPT UNCHANGED
The Reserve Bank of India announced today that Repo rate under the liquidity adjustment facility (LAF ) is kept at the same level of 6.50 % in today’s Bi-monthly MPC meeting . The standing deposit facility (SDF) rate stands at 6.25 per cent and the marginal standing facility (MSF) rate and the Bank Rate at 6.75 per cent , as per RBI’S announcement .
The MPC also decided to remain focused on withdrawal of accommodation to ensure that inflation progressively aligns to the target, while supporting growth. These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.
Dr. Shashanka Bhide, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to keep the policy repo rate unchanged at 6.50 per cent. Dr. Ashima Goyal and Prof. Jayanth R. Varma voted to reduce the policy repo rate by 25 basis points.
Dr. Shashanka Bhide, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to remain focused on withdrawal of accommodation to ensure that inflation progressively aligns to the target, while supporting growth. Dr. Ashima Goyal and Prof. Jayanth R. Varma voted for a change in stance to neutral.
​To read RBI PRESS RELEASE , CLICK HERE
​To know the effects of RBI’S Repo rate policy , CLICK HERE

NEWS ALERT DATED 05.04.2024 : REPO RATE KEPT UNCHANGED
The Reserve Bank of India announced today that Repo rate under the liquidity adjustment facility (LAF ) is kept at the same level of 6.50 % in today’s Bi-monthly MPC meeting . The standing deposit facility (SDF) rate stands at 6.25 per cent and the marginal standing facility (MSF) rate and the Bank Rate at 6.75 per cent , as per RBI’S announcement .
The MPC also decided to remain focused on withdrawal of accommodation to ensure that inflation progressively aligns to the target, while supporting growth. These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting growth.
M.P.C Members Dr. Shashanka Bhide, Dr. Ashima Goyal, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to keep the policy repo rate unchanged at 6.50 per cent. Prof. Jayanth R. Varma voted to reduce the policy repo rate by 25 basis points.
Members Dr. Shashanka Bhide, Dr. Ashima Goyal, Dr. Rajiv Ranjan, Dr. Michael Debabrata Patra and Shri Shaktikanta Das voted to remain focused on withdrawal of accommodation to ensure that inflation progressively aligns to the target, while supporting growth. Prof. Jayanth R. Varma voted for a change in stance to neutral.
​To read RBI PRESS RELEASE , CLICK HERE

SMALL SAVINGS TERM INTEREST RATES KEPT UNCHANGED
POST OFFICE INTEREST RATES
DATED 11.03.2024 : The interest rates on small savings schemes for the ensuing quarter from April 2024 to June 2024 is kept unchanged and the present rates will continue up to 30th, June 2024 . The rates are
1. The Public Provident Fund : 7.1 % pa
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa 3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa
4. Sukanya Samruddhi Account : 8.20 % pa 5. Senior Citizen Scheme : 8.20 % . pa
6. Monthly Income scheme : 7.4 % pa 7. Term Deposits : For the period 1 year :6.9 % pa For the period 2 years : 7.0 %
For the period 3 years : 7.10 % 5 year term deposit : 7.50 % pa
5 year Recurring Deposit : 6.7% pa

SMALL SAVINGS TERM INTEREST RATES HIKED FOR 3 YEAR TIME DEPOSIT
Sukanya Samruddhi Account Rate up POST OFFICE INTEREST RATES
DATED 29.12.2023 : The interest rates on some small savings schemes for the ensuing quarter from January 2024 to March 2024 is announced today . Except for 3 year time deposit and Sukanya Samruddhi Account scheme , all other rates are kept unchanged . The 3 year time deposit is enhanced to 7.10 % from existing 7.00 % pa . Sukanya samruddhi account will now fetch 8.2 % pa
The new rates are
1. The Public Provident Fund : 7.1 % pa ( No change )
2. Kisan Vikas Patra ( KVP ) : 7.5 % pa ( No change ) 3 . The 5 Year National savings Certificates ( NSC ) : 7.70 % pa ( No change )
4. Sukanya Samruddhi Account : 8.20 % pa ( Earlier 8.00 % pa )5. Senior Citizen Scheme : 8.20 % . pa ( No change )
6. Monthly Income scheme : 7.4 % pa ( No change ) 7. Term Deposits : For the period 1 year :6.9 % pa ( No change )For the period 2 years : 7.0 % ( No change )
For the period 3 years : 7.10 % ( Earlier 7.0 % pa ) 5 year term deposit : 7.50 % pa ( No change )
5 year Recurring Deposit : 6.7% pa ( No change )
For Ministry of Finance Office Memorandum dated 29.12.2023 CLICK HERE ​