National Savings Certificate (NSC) is a popular and safe investment scheme operated by the Indian Department of Posts. This scheme is an excellent option for those investors who want fixed and guaranteed returns with low risk. If you are also such an investor, then investing in NSC 2025 can give you good returns within five years.

What are the benefits of investing in NSC 2025?

If you invest ₹1,00,000 in NSC (National Savings Certificate), you will get ₹1,44,903 on maturity at 7.7% annual interest rate. If you invest ₹2,00,000, the amount on maturity will be ₹2,89,807. And if you invest ₹5,00,000, you will get ₹7,24,517 on maturity. This assured and safe investment option is suitable for those who want to keep their money safe with good returns.

National Savings Certificate (NSC) - Key Points

1. Interest Rate and Payment:

• Interest Rate: 7.7% per annum (compounded, payable on maturity)
• Payment: Time of maturity

2. Minimum Account Opening Amount:

• Minimum amount: ₹1000 and in multiples of ₹100
• There is no limit on the maximum amount

3. Who is permitted to open:

• Single Adult
• Joint Account (for maximum 3 adults)
• Parents, who can open an account on behalf of a minor or mentally challenged person
• Minors above 10 years of age can open an account in their own name

4. Deposit amount:

• Minimum amount ₹1000 and thereafter in multiples of ₹100
• No maximum limit
• Multiple accounts can be opened under this scheme
• This scheme offers the benefit of tax exemption under Section 80C of the Income Tax Act

5. Maturity:

• The account matures after a period of 5 years, ie you will get the deposited amount and interest after 5 years

6 . Premature Closure:

• Generally NSC cannot be closed before 5 years
• However, it may be terminated prematurely for the following reasons:
  • After the death of the account holder
  • When the account is pledged by a Gazetted Officer
  • By order of the court

8. Transfer of Account:

• Accounts may be transferred from one person to another, subject to the following conditions:
  • To the nominee/legal heir after the death of the account holder
  • of joint holders after the death of the account holder
  • By order of the court
  • When the account is pledged

Advantages of Investment:

• Safe and reliable investment plan
• Guaranteed returns over a fixed period of 5 years
• Investment income upto ₹1.5 lakh exempted from tax under tax exemption
• Simplicity and ease of account opening

PC:Punjab Kesari