{"id":6479,"date":"2025-05-06T18:07:11","date_gmt":"2025-05-06T12:37:11","guid":{"rendered":"https:\/\/www.torusdigital.com\/toruscope\/?p=6479"},"modified":"2025-06-26T17:38:59","modified_gmt":"2025-06-26T12:08:59","slug":"know-about-national-savings-certificate","status":"publish","type":"post","link":"https:\/\/www.torusdigital.com\/toruscope\/savings-scheme\/know-about-national-savings-certificate\/","title":{"rendered":"What Is A National Savings Certificate (NSC) &#038; How Does It Work?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p><span style=\"font-weight: 400;\">Every investor looks for options that offer safety, stability, and guaranteed returns. The National Savings Certificate (<\/span><b>NSC<\/b><span style=\"font-weight: 400;\">) is one such investment tool, backed by the Government of India and known for its low risk and assured interest. It is a fixed-income savings scheme that can be easily opened at any post office, making it an accessible and reliable choice for conservative investors. Whether your goal is to build a strong portfolio, reduce overall risk, or enjoy tax-saving benefits, this investment scheme remains a dependable option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this blog, we will explore <\/span><b>what is<\/b> <b>NSC<\/b><span style=\"font-weight: 400;\">, along with its eligibility criteria, required documents, key features, benefits, and the step-by-step process to invest in it.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_National_Savings_Certificate\"><\/span><b>What Is a National Savings Certificate?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>National Savings Certificate<\/b><span style=\"font-weight: 400;\"> is a government-backed savings instrument where you can start investing with as little as \u20b91,000, with no upper limit on investment. The government of India started this initiative to encourage individuals earning low to mid-income to invest in a stable scheme while also saving their hard-earned money. You can invest in this scheme in the post offices available across India.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This investment scheme offers tax benefits of up to \u20b91.5 lakhs under section 80C of the Income Tax Act of 1961. However, it may not be the best scheme for those looking for a <strong><a href=\"https:\/\/www.torusdigital.com\/toruscope\/stocks\/what-is-liquidity\/\">liquid investment option<\/a><\/strong> because it comes with a lock-in period of five years.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_for_NSC\"><\/span><b>Eligibility Criteria for NSC<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The following is the list of eligibility criteria that one is required to fulfil to invest in this fixed-income savings scheme &#8211;<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The person must be an Indian citizen. Non-resident Indians (NRIs) are not eligible to invest in the scheme.<\/span><\/li>\n<li>The person must be older than 10 years to invest in this scheme.<\/li>\n<li>Hindu Undivided Families (HUFs), Trusts, and Private and Public Limited Companies (PLCs) are not eligible to invest.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Documents_Required_to_Apply_for_NSC\"><\/span><b>Documents Required to Apply for NSC<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You need to submit the following documents when applying for this government-backed investment option:<\/span><\/p>\n<ul>\n<li><b>Identity proof<\/b><span style=\"font-weight: 400;\">: You need to provide original identification proof such as a permanent account number (PAN) card, passport, voter ID, driver\u2019s license, senior citizen ID, or government ID for verification.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Address proof<\/b><span style=\"font-weight: 400;\">: You need to provide address proof like a passport, an electricity bill, a bank statement, or a telephone bill.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Photograph<\/b><span style=\"font-weight: 400;\">: You need to provide a passport-size photograph.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Key_Features_Benefits_of_National_Savings_Certificate\"><\/span><b>Key Features &amp; Benefits of National Savings Certificate<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are some of the key features of the <\/span><b>NSC <\/b><span style=\"font-weight: 400;\">scheme:<\/span><\/p>\n<ul>\n<li><b>Interest rates:<\/b><span style=\"font-weight: 400;\"> Currently, the interest rate on <\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> is 7.7% and compounded annually. You can earn an annual fixed interest, which is revised quarterly by the government, ensuring regular income.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Tax benefit: <\/b><span style=\"font-weight: 400;\">This scheme<\/span> <span style=\"font-weight: 400;\">qualifies for tax benefits under section 80C of the Income Tax Act of 1961, offering you a tax benefit of up to \u20b91.5 lakhs.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Maturity period<\/b><span style=\"font-weight: 400;\">: The maturity period of this investment option is five years.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Minimum amount<\/b><span style=\"font-weight: 400;\">: Anybody can start their investment with as little as \u20b91,000 and in multiples of 100 after that, with no cap on the maximum limit. <\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Easily Available<\/b><span style=\"font-weight: 400;\">: You can easily access the certificate from any post office after submission of the necessary KYC documents. Plus, you can also transfer the certificate from one post office to another, as well as from one person to another, without any impact on interest accrual\/maturity of the original certificate.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Loan collaterals<\/b><span style=\"font-weight: 400;\">: You can even use these certificates to secure loans in banks and NBFCs, as they are accepted as collateral or security. All you need is the transfer stamp on the certificates by the postmaster to submit them to the bank.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Nomination<\/b><span style=\"font-weight: 400;\">: Any family member (even a minor) of yours can be nominated in case of an unfortunate event in the future.<\/span><\/li>\n<li><b style=\"font-size: revert; color: initial;\">Premature withdrawal of certificates<\/b><span style=\"font-weight: 400;\">: This certificate come with a lock-in period of 5 years, allowing the fund&#8217;s withdrawal only after maturity. But, in case of the death of the scheme owner or an order from the court, the amount can be withdrawn.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Invest_in_NSC\"><\/span><b>How To Invest in NSC<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are two ways\u2014online and offline- to invest in this scheme. Read the following procedure step-by-step-<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Steps_to_Follow_to_Apply_Through_the_Offline_Mode\"><\/span><b>Steps to Follow to Apply Through the Offline Mode<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To invest in the NSC scheme offline, follow the steps below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First, get the <\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> application form printed out online or at any post office.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill in the necessary details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Next, submit the self-attested copies of the form with the required KYC documents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep your original documents ready for verification purposes, and pay the amount you want to invest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After application approval, collect the <\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> of your application.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Steps_to_Follow_to_Apply_Through_the_Online_Mode\"><\/span><b>Steps to Follow to Apply Through the Online Mode<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To invest in the NSC scheme online, follow the steps below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit the Department of Posts (DOP) internet banking portal and log in to your account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, click on \u2018General Services\u2019 and select \u2018Service Requests\u2019.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Next, click on \u2018New Requests\u2019 and choose \u2018<\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> Account &#8211; Open an <\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> Account (For <\/span><b>NSC<\/b><span style=\"font-weight: 400;\">)\u2019.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, enter the amount you want to deposit and choose the debit account linked to the post office <\/span><strong><a href=\"https:\/\/www.torusdigital.com\/accounts\/savings-account\">savings account<\/a>.<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select \u2018Click Here\u2019 to read the terms and conditions and accept them.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter the transaction password and click on \u2018Submit\u2019.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, the deposit receipt will be available to view and download.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can log in and click on \u2018Accounts\u2019 to view the details of your <\/span><b>NSC<\/b><span style=\"font-weight: 400;\"> account.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A<\/span><b> National Savings Certificate<\/b><span style=\"font-weight: 400;\"> is one of the popular tax-saving options introduced by the government of India. With guaranteed returns and tax benefits, this scheme is no doubt a secure investment option for risk-averse individuals. Investors can make more returns compared to similar options like fixed deposits and provident funds. However, inflation may not be adjusted through this scheme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Start exploring more such investment options through <\/span><a href=\"https:\/\/www.torusdigital.com\/\"><span style=\"font-weight: 400;\">Torus Digital<\/span><\/a><span style=\"font-weight: 400;\"> and make informed decisions about your savings.<\/span><\/p>\n<p><meta property=\"og:title\" content=\"What is National Savings Certificate (NSC)?\"> <meta property=\"og:site_name\" content=\"Torus Digital\"> <meta property=\"og:url\" content=\"https:\/\/www.torusdigital.com\/toruscope\/savings-scheme\/know-about-national-savings-certificate\/\"> <meta property=\"og:description\" content=\"Learn what a National Savings Certificate (NSC) is, its benefits, interest rate, tax advantages &#038; how it helps you grow savings securely with government backing.\"> <meta property=\"og:type\" content=\"website\"> <meta property=\"og:image\" content=\"https:\/\/www.torusdigital.com\/toruscope\/wp-content\/uploads\/2025\/05\/Everything-You-Need-To-Know-About-National-Savings-Certificate.webp\"><\/p>\n<p><meta name=\"twitter:card\" content=\"summary\"> <meta name=\"twitter:site\" content=\"Torus Digital\"> <meta name=\"twitter:title\" content=\"What is National Savings Certificate (NSC)?\"> <meta name=\"twitter:url\" content=\"https:\/\/www.torusdigital.com\/toruscope\/savings-scheme\/know-about-national-savings-certificate\/\"> <meta name=\"twitter:description\" content=\"Learn what a National Savings Certificate (NSC) is, its benefits, interest rate, tax advantages &#038; how it helps you grow savings securely with government backing.\"> <meta name=\"twitter:image\" content=\"https:\/\/www.torusdigital.com\/toruscope\/wp-content\/uploads\/2025\/05\/Everything-You-Need-To-Know-About-National-Savings-Certificate.webp\"><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.torusdigital.com\/toruscope\/savings-scheme\/know-about-national-savings-certificate\/\"\n  },\n  \"headline\": \"What is National Savings Certificate (NSC)?\",\n  \"description\": \"Learn what a National Savings Certificate (NSC) is, its benefits, interest rate, tax advantages & how it helps you grow savings securely with government backing.\",\n  \"image\": \"https:\/\/www.torusdigital.com\/toruscope\/wp-content\/uploads\/2025\/05\/Everything-You-Need-To-Know-About-National-Savings-Certificate.webp\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Torus Digital\",\n    \"url\": \"https:\/\/www.torusdigital.com\/\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Torus Digital\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.torusdigital.com\/toruscope\/wp-content\/uploads\/2025\/05\/Everything-You-Need-To-Know-About-National-Savings-Certificate.webp\"\n    }\n  },\n  \"datePublished\": \"2025-05-06\",\n  \"dateModified\": \"2025-06-26\"\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{\n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Home\",\n    \"item\": \"https:\/\/www.torusdigital.com\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Toruscope\",\n    \"item\": \"https:\/\/www.torusdigital.com\/toruscope\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Mutual Funds\",\n    \"item\": \"https:\/\/www.torusdigital.com\/toruscope\/mutual-funds\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 4, \n    \"name\": \"What is National Savings Certificate (NSC)?\",\n    \"item\": \"https:\/\/www.torusdigital.com\/toruscope\/savings-scheme\/know-about-national-savings-certificate\/\"  \n  }]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What are the benefits of investing in a National Savings Certificate?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The Government of India introduced the National Savings Certificate to encourage individuals from low- to middle-income groups to invest in long-term savings while also availing tax benefits.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Is the NSC a suitable investment option?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, it is a safe investment option that offers stable returns and tax benefits for risk-averse investors. However, the maturity value is taxable.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How does the NSC compare to a Fixed Deposit (FD)?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"NSC generally offers slightly higher returns than regular Fixed Deposits (FDs) and comes with tax benefits under Section 80C of the Income Tax Act. However, FDs offer greater flexibility in terms of tenure and liquidity.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What returns can I expect from an NSC after five years?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"If you invest \u20b91 lakh in this scheme at the current rate of 7.7% interest, you will get approximately \u20b91.4 lakh after 5 years. The interest is compounded annually but paid at maturity.\"\n    }\n  }]\n}\n<\/script><\/p>\n<div class=\"cscra-social square cscra-socials-679c8a1122c00\">\n        <a href=\"\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fsavings-scheme%2Fknow-about-national-savings-certificate%2F&t=What+Is+A+National+Savings+Certificate+%28NSC%29+%26%23038%3B+How+Does+It+Work%3F\" class=\"facebook\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Facebook\" target=\"_blank\"><i class=\"fa fa-facebook\"><\/i><\/a>\n        <a href=\"\/\/twitter.com\/intent\/tweet?text=What+Is+A+National+Savings+Certificate+%28NSC%29+%26%23038%3B+How+Does+It+Work%3F&url=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fsavings-scheme%2Fknow-about-national-savings-certificate%2F\" class=\"twitter\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Twitter\" target=\"_blank\"><i class=\"fa-brands fa-x-twitter\"><\/i><\/a>\n        <a href=\"https:\/\/api.whatsapp.com\/send?text=What+Is+A+National+Savings+Certificate+%28NSC%29+%26%23038%3B+How+Does+It+Work%3F - https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fsavings-scheme%2Fknow-about-national-savings-certificate%2F\" class=\"whatsapp\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On WhatsApp\" target=\"_blank\"><i class=\"fa fa-whatsapp\"><\/i><\/a>\n        <a href=\"\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fsavings-scheme%2Fknow-about-national-savings-certificate%2F&title=What+Is+A+National+Savings+Certificate+%28NSC%29+%26%23038%3B+How+Does+It+Work%3F\" class=\"linkedin\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Linkedin\" target=\"_blank\"><i class=\"fa fa-linkedin\"><\/i><\/a>\n    <\/div>[vc_row_inner el_id=&#8221;faq_blog&#8221;][vc_column_inner][vc_custom_heading text=&#8221;Frequently Asked Questions&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23001316&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][\/vc_column_inner][\/vc_row_inner][vc_tta_accordion active_section=&#8221;1&#8243; el_id=&#8221;faq&#8221;]<\/p>\n<p>[vc_tta_section title=&#8221;What are the benefits of investing in a National Savings Certificate?&#8221; tab_id=&#8221;nsc-faq-1&#8243;]<br \/>\n[vc_column_text css=&#8221;&#8221;]The Government of India introduced the National Savings Certificate to encourage individuals from low- to middle-income groups to invest in long-term savings while also availing tax benefits.[\/vc_column_text]<br \/>\n[\/vc_tta_section]<\/p>\n<p>[vc_tta_section title=&#8221;Is the NSC a suitable investment option?&#8221; tab_id=&#8221;nsc-faq-2&#8243;]<br \/>\n[vc_column_text css=&#8221;&#8221;]Yes, it is a safe investment option that offers stable returns and tax benefits for risk-averse investors. However, the maturity value is taxable.[\/vc_column_text]<br \/>\n[\/vc_tta_section]<\/p>\n<p>[vc_tta_section title=&#8221;How does the NSC compare to a Fixed Deposit (FD)?&#8221; tab_id=&#8221;nsc-faq-3&#8243;]<br \/>\n[vc_column_text css=&#8221;&#8221;]NSC generally offers slightly higher returns than regular Fixed Deposits (FDs) and comes with tax benefits under Section 80C of the Income Tax Act. However, FDs offer greater flexibility in terms of tenure and liquidity.[\/vc_column_text]<br \/>\n[\/vc_tta_section]<\/p>\n<p>[vc_tta_section title=&#8221;What returns can I expect from an NSC after five years?&#8221; tab_id=&#8221;nsc-faq-4&#8243;]<br \/>\n[vc_column_text css=&#8221;&#8221;]If you invest \u20b91 lakh in this scheme at the current rate of 7.7% interest, you will get approximately \u20b91.4 lakh after 5 years. The interest is compounded annually but paid at maturity.[\/vc_column_text]<br \/>\n[\/vc_tta_section]<\/p>\n<p>[\/vc_tta_accordion]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"Every investor looks for options that offer safety, stability, and guaranteed returns. The National Savings Certificate (NSC) is one such investment tool, backed by the Government of India and known for its low risk and assured interest. It is a fixed-income savings scheme that can be easily opened at any post office, making it an","protected":false},"author":1,"featured_media":10370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[287],"tags":[],"class_list":["post-6479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings-scheme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is National Savings Certificate (NSC)?<\/title>\n<meta name=\"description\" content=\"Learn what a National Savings Certificate (NSC) is, its benefits, interest rate, tax advantages &amp; how it helps you grow savings securely with government backing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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