Who should invest in National Savings Certificate Schemes?  


If you are an investor, who is looking to invest in a safe investment avenue then NSC is a good option. The scheme is primarily used for small and income tax saving investment in India. It offers guaranteed interest and complete capital protection. The Government of India has made it easily accessible for every investor by making it available in post offices.  

What are the Tax Benefits of National Savings Certificate Scheme? 

There are various tax benefits of National Saving Certificate scheme.   

  • Any investor can make an investment up to Rs 1.5 lakh in the National Saving Certificates to subscribe for tax rebate under section 80c. 
  •  The interest earned on the NSC can be added back to the initial investment and qualify for a tax break as well. 
  •  An investor who invest up to INR 1,00,000 qualifies for income tax rebate under National Saving Certificate. 

What are the Key points to consider as an Investor before investing in National Savings Certificate?   


There are certain key points to be considered as an investor before investing in National Saving Certificate.  

  • The scheme mainly has two types of certificates NSC VIII issue and NSC IX Issue. But the only NSC VIII issue is open for subscription.  
  • There are mainly two maturity period to choose from. One is for 5 years and another is for 10 years. Depending upon the risk appetite, investment objectives, an investor can choose from either of them.  
  • An investor cannot exit the scheme early. They must accept it in exceptional cases like the death of the investor or with the court permission.  

What are the advantages of National Saving Certificates?  


Some of the key advantages of National Saving Certificates.  

  • NSC offers their investor attractive interest rates.  The current NSC rate of interest is 8% per annum.  *
  •  An investor can invest as minimum as RS 100. But there is no upper maximum limit for investment under NSCs. 
  • They can receive guaranteed returns by investing in National Saving Certificates for 5 to 10 years. 
  • NSC certificate can be transferred from one individual to another depending upon the certificate holder.  


Frequently Asked Questions

What is National Saving Certificates Scheme?

How to redeem national savings certificate

National savings certificate matures at the end of how many years?

Is NSC a good investment option?

Is NSC maturity amount is taxable?

How is tax calculated on NSC?

Can we invest in NSC online?

Can we break NSC before maturity?

Is NSC transferable?

Benefits of National Saving Certificates ?

How to buy national savings certificate online

how to invest in national savings certificate

Can I purchase NSC from bank?

Is PPF better than NSC?

Is Fd better than NSC?

What is better NSC or KVP?

What is current interest rate on NSC?

How do I claim NSC after maturity?

Can I get loan on NSC certificate?


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