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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://static.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html" title="Universal Account Number Login" target="_blank" aria-label="Universal Account Number Login">UAN Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="Employee Provident Fund Organization Login" target="_blank" aria-label="Employee Provident Fund Organization Login">EPFO Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-epf-balance-sms.html" title="PF Balance Number" target="_blank" aria-label="PF Balance Number">PF Balance Number</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/ppf.html" title="Public Provident Fund" target="_blank" aria-label="Public Provident Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">NSC - National Savings Certificate - 2024</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is National Savings Certificate (NSC) ?</h2><p class="text-base ">The <strong>National Savings Certificate</strong> (NSC) is a government-backed savings scheme in India that provides fixed interest rates and a secure investment option, with tenures ranging from <strong>5 to 10</strong> years. It is particularly suitable for conservative investors, offering tax deductions under Section 80C and allowing investments with no upper limit. Individuals can purchase NSCs in their own name, jointly, or on behalf of a minor by visiting their nearest post office.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><p class="text-base ">The <strong>NSC scheme</strong> is available at all <a href="/saving-schemes/nsc-post-office-saving-scheme.html" target="_blank">NSC post offices</a> and the Indian Government promotes the NSC scheme. Due to the number of post offices present in India and the easy access to these post offices, the scheme has become very popular in India.</p><p class="text-base ">The main aim of the scheme is for individuals to make small or medium savings, and <a href="/tax.html" target="_blank">tax benefits</a> are provided for these savings. Since the scheme is encouraged by the Indian Government, the risks of investing in the scheme are low.</p><p class="text-base ">The scheme was launched mainly for individuals, therefore, non-resident Indians (NRIs) and Hindu Undivided Families (<a href="/tax/hindu-undivided-family-tax-planning.html" target="_blank">HUF</a>) are not eligible to opt for this scheme.</p><p class="text-base ">Only Indian citizens will be able to invest in the <strong>NSC scheme</strong>.</p></div><div><div class="flex flex-col gap-1"><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tenure</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rate of Interest</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.7% p.a.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum Amount</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.1,000</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tax Benefits</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Under Section 80C of the Income Tax Act</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">NSC Eligibility</h2><p class="text-base ">The eligibility criteria for investors to purchase the NSC are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The individual must be an Indian citizen.</li><li class="pt-1 pb-1">There is no age limit for individuals in order to purchase a certificate.</li><li class="pt-1 pb-1">Non-resident Indians cannot invest in NSC.</li><li class="pt-1 pb-1">Investments can be made with another adult or individuals can buy an NSC on behalf of a minor.</li><li class="pt-1 pb-1">Under NSC VIII Issue, HUFs and Trusts are not eligible to invest in the scheme.</li></ol><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-destructive-light"><div class="p-2.5"><h3 class="text-md font-bold pt-1">Latest Update</h3> <p class="text-base "><strong>National Savings Certificate interest rates reduced by 110 bps</strong></p><p class="text-base ">For the April to June quarter of the current financial year, the Central Government slashed the interest rates by up to 140 basis points (bps) on small savings schemes. The interest rates on the National Savings Certificate scheme have been brought down by 110 bps. The rate of interest has been reduced from 7.9% to 6.8%. The interest that is generated from the scheme is calculated on a yearly basis. The scheme is a Government of India initiative and can be opened at Post Offices. The two maturity periods of the scheme are 5 years and 10 years. Under the scheme, tax benefits of up to Rs.1.5 lakh will be provided. Loans can also be availed against the amount available in the account. The government revises the interest rates on small savings schemes every quarter. The government decided to reduce the interest rates after the RBI cut the repo rate by 75 bps recently.</p><p class="text-base ">The Government of India decided to increase the interest rate for NSC from 7% to 7.7%. The interest rate will be applicable on all the investments made during the first quarter for the year 2023. </p></div></div><h2 class="text-lg font-bold pt-5">NSC Features</h2><p class="text-base ">The main features of the scheme are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Minimum investments:</strong> The minimum amount that a certificate can be purchased for is Rs.100. The different denominations that the certificate can be purchased for are Rs.10,000, Rs.5,000, Rs.1,000, Rs.500, and Rs.100. Initially, small investments can be made, and individuals can increase investments when feasible.</li><li class="pt-1 pb-1"><strong>Maturity tenure:</strong> Five years and ten years are the two maturity periods of the scheme that individuals can choose from.</li><li class="pt-1 pb-1"><strong>Rate of interest:</strong> Currently, the rate of interest has been increased from <strong>7% to 7.7%</strong>. and it is compounded on an annual basis. However, the interest is payable only at maturity.</li><li class="pt-1 pb-1"><strong>Nominations:</strong> Family members including minors can be added as nominees by the investor. In case the investor passes away during the tenure of the scheme, the nominee will be able to inherit the scheme.<br/></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Different types of NSC:</strong> Initially, the NSC IX Issue and the NSC VIII Issue were the two types of certificates available. However, as of December 2015, the Government of India stopped the NSC IX Issue. Therefore, only the NSC VIII Issue is available.</li><li class="pt-1 pb-1"><strong>Loans against NSC:</strong> The NSC can be used as a security or collateral and can be provided to banks to avail loans. However, the respective post master must authorise the transfer of the certificate to the bank.</li><li class="pt-1 pb-1"><strong>Purchase of NSC:</strong> Upon submitting the required documents, the scheme can be purchased at post offices.</li><li class="pt-1 pb-1"><strong>Transfer of certificate:</strong> <a href="/saving-schemes/know-about-nsc-transfer-online.html" target="_blank">Transfer of NSC</a> is possible from one post office to another. Transfer of certificate from one individual to another is also possible. However, the certificate will remain the same and the name of the new owner shall be written on the certificate and the name of the old owner will be rounded.<br/></li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Advantages of NSC</h2><p class="text-base ">Given below are the main advantages of investing in the NSC:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">One of the main advantages of investing in the NSC is the tax benefits that individuals can avail on the investments they have made. The returns are also guaranteed under this scheme. Many individuals prefer the NSC scheme as it can provide a regular income once they retire.</li><li class="pt-1 pb-1">Except for the interest that is earned in the final year, the remaining interest that is generated is tax-free.</li><li class="pt-1 pb-1">In case individuals lose the original certificate, a duplicate certificate can be obtained.</li><li class="pt-1 pb-1">Even after the maturity period, individuals have an option to continue investing in the scheme.</li><li class="pt-1 pb-1">Transfer of the certificate is allowed from one individual to another. However, it is allowed only once during the lock-in period.</li><li class="pt-1 pb-1">The interest that is generated is compounded on a yearly basis and reinvested towards the scheme. Therefore, the invested amount of the individual increases without purchasing certificates.<br/></li></ol><h2 class="text-lg font-bold pt-5">Documents Required to Apply for NSC</h2><p class="text-base ">Given below are the documents that must be submitted in order to purchase an NSC:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The <a href="/saving-schemes/nsc-application-form-from-post-office.html" target="_blank">NSC application form</a> must be submitted.</li><li class="pt-1 pb-1">Investors must submit an original identification proof such as <a href="/passport.html" target="_blank">Passport</a>, Permanent Account Number (<a href="/pan-card.html" target="_blank">PAN</a>) Card, <a href="/voter-id.html" target="_blank">Voter ID</a>, <a href="/driving-licence.html" target="_blank">Driving licence</a>, Senior Citizen ID, or Government ID for verification.</li><li class="pt-1 pb-1">The investor must submit a photograph.</li><li class="pt-1 pb-1">Investors must submit an address proof such as <a href="/passport.html" target="_blank">Passport</a>, telephone bill, <a href="/electricity-bill.html" target="_blank">electricity bill</a>, bank statement along with a <a href="/ifsc/know-your-cheque.html" target="_blank">cheque</a> as well as a Certificate or an ID card that has been issued by the Post Office.<br/></li></ol><h2 class="text-lg font-bold pt-5">How to Invest in NSC </h2><p class="text-base ">Physical NSC certificates were previously distributed by banks or post offices. Since 2016, this has been stopped. Certificates can currently be purchased using Passbook mode or electronic method (e-mode). You can easily purchase an NSC program with a <a href="https://www.bankbazaar.com/savings-account.html" target="_blank">savings account</a> at an authorized bank or post office, in contrast to the unpopular and relatively more laborious passbook approach. </p><p class="text-base ">To invest in NSC offline, follow the steps mentioned below: </p><p class="text-base "><strong>Step 1: </strong>Collect the NSC application form online or by going to any post office. </p><p class="text-base "><strong>Step 2:</strong> Fill it out with all your details. </p><p class="text-base "><strong>Step 3: </strong>Submit the form along with self-attested copies of the necessary KYC documents. </p><p class="text-base "><strong>Step 4:</strong> Carry the original documents for additional verification. </p><p class="text-base "><strong>Step 5:</strong> Pay the amount you want to invest with a cheque or cash. </p><p class="text-base "><strong>Step 6: </strong>Collect the NSC following approval of your application. </p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">The Steps to Apply for NSC Online are as follows: </h2><p class="text-base "><strong>Step 1: </strong>Open Department of Posts (DOP) internet banking and log in. </p><p class="text-base "><strong>Step 2:</strong> Under the '<strong>General Services</strong>' section, select the '<strong>Service Requests</strong>' option. </p><p class="text-base "><strong>Step 3: </strong>Click on '<strong>New Requests</strong>' and choose the ‘<strong>NSC Account – Open an NSC Account (For NSC)</strong>’ option. </p><p class="text-base "><strong>Step 4: </strong>Enter the deposit amount and select the debit account that is linked to the PO savings account. </p><p class="text-base "><strong>Step 5: </strong>Select the ‘Click Here’ to go through the terms and conditions and accept them. </p><p class="text-base "><strong>Step 6:</strong> Enter the transaction password and select the ‘<strong>Submit</strong>’ option. </p><p class="text-base "><strong>Step 7: </strong>The deposit receipt will be available for viewing and downloading. </p><p class="text-base "><strong>Step 8: </strong>Log in and visit the '<strong>Accounts</strong>' section to see the details of your NSC account. </p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Tax Benefits Provided by the NSC</h2><p class="text-base ">Given below are the <a href="/saving-schemes/national-savings-certificates-tax-benefits.html" target="_blank">NSC tax benefits</a> that individuals can avail by investing in the NSC:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Under <a href="/tax/deductions-under-80c.html" target="_blank">Section 80C</a> of the Income Tax Act, 1961, tax benefits of up to Rs.1.5 lakh can be availed by investing towards the NSC.</li><li class="pt-1 pb-1">The interest that is generated on a yearly basis by investing in the NSC is considered as a new investment for tax benefits.</li><li class="pt-1 pb-1">Tax Deducted at Source (<a href="/tax/all-about-tds.html" target="_blank">TDS</a>) is not applicable under the National Savings Certificate. However, as per the marginal income tax rates, the tax must be paid for the interest that is earned.</li></ol><h2 class="text-lg font-bold pt-5">Maturity Period and Premature Withdrawal under the NSC</h2><p class="text-base ">Under most scenarios, the amount that has been invested towards the NSC cannot be withdrawn before the maturity period of five years. However, under certain cases, <a href="/saving-schemes/all-about-national-savings-certificate-withdrawal-rules.html" target="_blank">premature withdrawal</a> is allowed. Given below are the cases where premature withdrawal is allowed under the NSC scheme:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">In case the certificate holder passes away.</li><li class="pt-1 pb-1">On the forfeiture of the certificate. However, the pledgee must be a Gazetted Government Officer.</li><li class="pt-1 pb-1">If ordered by the court of law the invested amount can be withdrawn.</li></ol><p class="text-base ">However, certain documents must be submitted by the certificate holder for the withdrawal of the funds.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Who Should Invest in NSC? </h2><p class="text-base ">NSC investments are a secure way for investors to receive a consistent return while reducing their tax burden. NSC provides total capital protection and interest guarantees. They are unable to provide returns that outpace inflation, like tax-saving mutual funds and the National Pension System, like the majority of fixed income plans. </p><p class="text-base ">The National Savings Certificate is a personal savings program that the government has encouraged. As a result, neither trusts nor Hindu Undivided Families (HUFs) can invest in it. Additionally, NRIs (non-resident Indians) cannot buy NSC certificates. The program is exclusively available to independent Indian residents. </p><div class="mb-2.5 py-1"><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-6 md:col-span-6 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Top Pages for NSC <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-2"><li class=""><a href="/saving-schemes/how-to-calculate-nsc-interest.html" title="NSC Interest Rate" target="_black">NSC Interest Rate</a></li><li class=""><a href="/saving-schemes/nsc-calculator.html" title="NSC Calculator" target="_black">NSC Calculator</a></li><li class=""><a href="/saving-schemes/loan-against-national-savings-certificates.html" title="Loan Against NSC" target="_black">Loan Against NSC</a></li><li class=""><a href="/saving-schemes/documents-required-for-national-savings-certificate.html" title="NSC Online Application form" target="_black">NSC Online Application form</a></li><li class=""><a href="/saving-schemes/national-savings-certificates-tax-benefits.html" title="NSC Tax Benefits" target="_black">NSC Tax Benefits</a></li><li class=""><a href="/saving-schemes/nsc-application-form-from-post-office.html" title="NSC Application Form From Post office" target="_black">NSC Application Form From Post office</a></li><li class=""><a href="/saving-schemes/all-about-national-savings-certificate-withdrawal-rules.html" title="NSC Withdrawal Rules" target="_black">NSC Withdrawal Rules</a></li><li class=""><a href="/saving-schemes/nsc-vs-kvp.html" title="NSC vs KVP" target="_black">NSC vs KVP</a></li></ol></div></details></div></div><div class=" lg:col-span-6 md:col-span-6 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Popular Pages for Saving Schemes <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-2"><li class=""><a href="/saving-schemes/epf.html" title="EPF" target="_black">EPF</a></li><li class=""><a href="/saving-schemes/uan.html" title="UAN" target="_black">UAN</a></li><li class=""><a href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="EPFO Login" target="_black">EPFO Login</a></li><li class=""><a href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="EPF Balance" target="_black">EPF Balance</a></li><li class=""><a href="/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html" title="UAN Login" target="_black">UAN Login</a></li><li class=""><a href="/saving-schemes/know-about-epfo-universal-account-number.html" title="UAN Registration" target="_black">UAN Registration</a></li><li class=""><a href="/saving-schemes/pf-withdrawal-rules.html" title="PF Withdrawal Rules" target="_black">PF Withdrawal Rules</a></li><li class=""><a href="/saving-schemes/epf-e-passbook.html" title="PF Passbook" target="_black">PF Passbook</a></li><li class=""><a href="/saving-schemes/how-to-check-pf-status-online.html" title="PF Status Online" target="_black">PF Status Online</a></li><li class=""><a href="/saving-schemes/all-about-the-employee-pf-account-number.html" title="PF Account Number" target="_black">PF Account Number</a></li><li class=""><a href="/saving-schemes/ppf.html" title="PPF" target="_black">PPF</a></li><li class=""><a href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Yojana Calculator" target="_black">Sukanya Samriddhi Yojana Calculator</a></li><li class=""><a href="/saving-schemes/nps.html" title="NPS" target="_black">NPS</a></li><li class=""><a href="/saving-schemes/senior-citizen-saving-scheme.html" title="SCSS" target="_black">SCSS</a></li></ol></div></details></div></div></div></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on NSC</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>What is the minimum limit for investing in NSC?</strong><p class="text-base ">The minimum investment possible in NSC is Rs.1,000.</p></li><li class="pt-1 pb-1"><strong>What are the main features of NSC Issue IX?</strong><p class="text-base ">The main features of NSC Issue IX are that it comes in denominations of Rs. 100, Rs. 500, Rs. 1,000, Rs. 5,000 and Rs. 10,000. There is no maximum investment limit and the interest rate is 7.7%. The maturity period for these certificates is ten years and is subject to the same <a href="/saving-schemes/nsc-rules-and-guidelines.html" target="_blank">NSC rules</a> as Issue VIII. However, now it is not possible to invest in this type of NSC scheme as the Government of India took the decision to discontinue it.</p></li><li class="pt-1 pb-1"><strong>What is the maturity period and interest rate for NSC Issue IX?</strong><p class="text-base ">As of 01-04-2013 the maturity period for Issue IX of NSC is 10 years and the interest rate on offer is 8.8% per annum.</p></li><li class="pt-1 pb-1"><strong>Can a trust or an HUF invest in NSC?</strong><p class="text-base ">Under the rules of Issue VIII of NSC, trusts and HUFs cannot invest in NSC.</p></li><li class="pt-1 pb-1"><strong>Can I take a loan based on my NSC investments?</strong><p class="text-base ">Yes. NSC investments can be provided as collateral to banks, and other government organisations, in order to secure any loans.</p></li><li class="pt-1 pb-1"><strong>Is there a denomination smaller than Rs. 100?</strong><p class="text-base ">No. there is no denomination less than Rs. 100. This means that all your investments HAVE to be in multiples of 100.</p></li><li class="pt-1 pb-1"><strong>Is the benefit for NSC under 80C Rs. 1 lakh or Rs.1.5 lakh?</strong><p class="text-base ">Under Section 80C of the Income Tax Act, up to Rs.1.5 lakh can be claimed in NSC.</p></li><li class="pt-1 pb-1"><strong>What is the maturity period and interest rate for NSC Issue VIII?</strong><p class="text-base ">With effect from 01-04-2013 the maturity period for NSC Issue VIII is five years and the <a href="/saving-schemes/how-to-calculate-nsc-interest.html" target="_blank">NSC interest rate</a> being offered is 7.7% per annum.</p></li><li class="pt-1 pb-1"><strong>Is there a lock in period with investment in NSC?</strong><p class="text-base ">Yes there is a lock-in period which is equal to the maturity period of the certificates. They can be redeemed early but only under specific conditions.</p></li><li class="pt-1 pb-1"><strong>Can a nomination be canceled or changed?</strong><p class="text-base ">Yes, a nomination can be canceled or changed at any time using Form 3 and by paying a nominal fee of Rs. 5.</p></li><li class="pt-1 pb-1"><strong>What are the main features of NSC Issue VIII?</strong><p class="text-base ">The main feature of NSC Issue VIII is that it has no limit on the maximum investment possible. It also comes with an interest rate of 7.7% per annum and no TDS. The investment can be used to <a href="/saving-schemes/how-to-use-national-saving-certificates-as-security-for-your-loans.html" target="_blank">secure loans</a> and get tax benefits up to Rs. 1.5 lakh under Section 80C of the IT Act. It has a maturity period of five years, and is not available to trusts and HUFs, and comes in the minimum denomination of Rs. 100.</p></li><li class="pt-1 pb-1"><strong>How do I purchase NSC online? </strong><p class="text-base ">You cannot now subscribe to NSC online. To open an NSC account, you must complete the NSC application form and deliver it to the executive at the nearby Post Office. </p></li><li class="pt-1 pb-1"><strong>Will tax on NSC Interest earned be deducted at source?</strong><p class="text-base ">No, there is no TDS on the interest earned on investments in NSC. The tax payable is only calculated on the interest earned in the last year and it is up to the holder of the certificate to declare the income and pay the taxes.</p></li><li class="pt-1 pb-1"><strong>Which part of the IT Act does NSC come under?</strong><p class="text-base ">Investments made in NSC Issue VIII and Issue IX come under the purview of section 80C of the IT Act.</p></li><li class="pt-1 pb-1"><strong>Who can take a single holder type certificate?</strong><p class="text-base ">Such a certificate can be purchased by an adult for themselves or on behalf of a minor.</p></li><li class="pt-1 pb-1"><strong>I am an Indian but not a resident of the country, can I invest in NSC?</strong><p class="text-base ">No, non-resident Indians cannot invest in National savings certificates.</p></li><li class="pt-1 pb-1"><strong>Can I taken an NSC certificate under a joint holding option?</strong><p class="text-base ">If you are not a trust or the Karta of an HUF taking an NSC on their behalf, then yes you can take an NSC under the joint holding option.</p></li><li class="pt-1 pb-1"><strong>Can armed forces personnel invest in NSC?</strong><p class="text-base ">Yes, personnel of the armed forces can invest in NSC. In their case, should they pass away or desert, the postmaster can be directed by the forces to pay the nominee or the legal heir the entire amount that was due under the investment.</p></li><li class="pt-1 pb-1"><strong>NSC is included in which section? </strong><p class="text-base ">Under Section 80C of the Income Tax Act of 1961, the money you contribute to NSC is eligible for income tax deductions. </p></li><li class="pt-1 pb-1"><strong>How is NSC interest calculated? </strong><p class="text-base ">You need to be aware that the interest on NSC is compounded annually. In order to determine the principal amount for the second year, the interest you calculate on the main amount invested in NSC should be added to the principal amount. </p></li><li class="pt-1 pb-1"><strong>How can I obtain an NSC certification? </strong><p class="text-base ">You will be required to pay for the NSC account when you submit the application form and KYC paperwork to start one. The Post Office branch will give you the NSC certificate once this has been done.</p></li><li class="pt-1 pb-1"><strong>How can I online verify my NSC certificate? </strong><p class="text-base ">You must advise the Post Office branch that you want to use the online passbook service for your NSC account. The executives will provide you with the necessary internet banking credentials. Once logged in, you may examine all the transaction information for your NSC account. Only a few Post Office locations have access to this feature. </p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the minimum limit for investing in NSC?","acceptedAnswer":{"@type":"Answer","text":"The minimum investment possible in NSC is Rs.1,000."}},{"@type":"Question","name":"What are the main features of NSC Issue IX?","acceptedAnswer":{"@type":"Answer","text":"The main features of NSC Issue IX are that it comes in denominations of Rs. 100, Rs. 500, Rs. 1,000, Rs. 5,000 and Rs. 10,000. There is no maximum investment limit and the interest rate is 7.7%. The maturity period for these certificates is ten years and is subject to the same <a href=\"/saving-schemes/nsc-rules-and-guidelines.html\" target=\"_blank\">NSC rules</a> as Issue VIII. 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This means that all your investments HAVE to be in multiples of 100."}},{"@type":"Question","name":"Is the benefit for NSC under 80C Rs. 1 lakh or Rs.1.5 lakh?","acceptedAnswer":{"@type":"Answer","text":"Under Section 80C of the Income Tax Act, up to Rs.1.5 lakh can be claimed in NSC. ."}},{"@type":"Question","name":"What is the maturity period and interest rate for NSC Issue VIII?","acceptedAnswer":{"@type":"Answer","text":"With effect from 01-04-2013 the maturity period for NSC Issue VIII is five years and the <a href=\"/saving-schemes/how-to-calculate-nsc-interest.html\" target=\"_blank\">NSC interest rate</a> being offered is 7.7% per annum."}},{"@type":"Question","name":"Is there a lock in period with investment in NSC?","acceptedAnswer":{"@type":"Answer","text":"Yes there is a lock-in period which is equal to the maturity period of the certificates. They can be redeemed early but only under specific conditions."}},{"@type":"Question","name":"Can a nomination be canceled or changed?","acceptedAnswer":{"@type":"Answer","text":"Yes, a nomination can be canceled or changed at any time using Form 3 and by paying a nominal fee of Rs. 5."}},{"@type":"Question","name":"What are the main features of NSC Issue VIII?","acceptedAnswer":{"@type":"Answer","text":"The main feature of NSC Issue VIII is that it has no limit on the maximum investment possible. It also comes with an interest rate of 7.7% per annum and no TDS. The investment can be used to <a href=\"/saving-schemes/how-to-use-national-saving-certificates-as-security-for-your-loans.html\" target=\"_blank\">secure loans</a> and get tax benefits up to Rs. 1.5 lakh under Section 80C of the IT Act. It has a maturity period of five years, and is not available to trusts and HUFs, and comes in the minimum denomination of Rs. 100."}},{"@type":"Question","name":"How do I purchase NSC online? ","acceptedAnswer":{"@type":"Answer","text":"You cannot now subscribe to NSC online. To open an NSC account, you must complete the NSC application form and deliver it to the executive at the nearby Post Office. ."}},{"@type":"Question","name":"Will tax on NSC Interest earned be deducted at source?","acceptedAnswer":{"@type":"Answer","text":"No, there is no TDS on the interest earned on investments in NSC. The tax payable is only calculated on the interest earned in the last year and it is up to the holder of the certificate to declare the income and pay the taxes."}},{"@type":"Question","name":"Which part of the IT Act does NSC come under?","acceptedAnswer":{"@type":"Answer","text":"Investments made in NSC Issue VIII and Issue IX come under the purview of section 80C of the IT Act."}},{"@type":"Question","name":"Who can take a single holder type certificate?","acceptedAnswer":{"@type":"Answer","text":"Such a certificate can be purchased by an adult for themselves or on behalf of a minor."}},{"@type":"Question","name":"I am an Indian but not a resident of the country, can I invest in NSC?","acceptedAnswer":{"@type":"Answer","text":"No, non-resident Indians cannot invest in National savings certificates."}},{"@type":"Question","name":"Can I taken an NSC certificate under a joint holding option?","acceptedAnswer":{"@type":"Answer","text":"If you are not a trust or the Karta of an HUF taking an NSC on their behalf, then yes you can take an NSC under the joint holding option."}},{"@type":"Question","name":"Can armed forces personnel invest in NSC?","acceptedAnswer":{"@type":"Answer","text":"Yes, personnel of the armed forces can invest in NSC. In their case, should they pass away or desert, the postmaster can be directed by the forces to pay the nominee or the legal heir the entire amount that was due under the investment."}},{"@type":"Question","name":"NSC is included in which section? ","acceptedAnswer":{"@type":"Answer","text":"Under Section 80C of the Income Tax Act of 1961, the money you contribute to NSC is eligible for income tax deductions. ."}},{"@type":"Question","name":"How is NSC interest calculated? ","acceptedAnswer":{"@type":"Answer","text":"You need to be aware that the interest on NSC is compounded annually. In order to determine the principal amount for the second year, the interest you calculate on the main amount invested in NSC should be added to the principal amount. ."}},{"@type":"Question","name":"How can I obtain an NSC certification? ","acceptedAnswer":{"@type":"Answer","text":"You will be required to pay for the NSC account when you submit the application form and KYC paperwork to start one. The Post Office branch will give you the NSC certificate once this has been done."}},{"@type":"Question","name":"How can I online verify my NSC certificate? ","acceptedAnswer":{"@type":"Answer","text":"You must advise the Post Office branch that you want to use the online passbook service for your NSC account. The executives will provide you with the necessary internet banking credentials. Once logged in, you may examine all the transaction information for your NSC account. Only a few Post Office locations have access to this feature. ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2"></h2><div class="flex flex-col gap-2.5"></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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{"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/nsc","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":17751,"topContent":[{"type":"header","data":{"text":"What is National Savings Certificate (NSC) ?","level":2}},{"type":"paragraph","data":{"text":"The \u003cstrong\u003eNational Savings Certificate\u003c/strong\u003e (NSC) is a government-backed savings scheme in India that provides fixed interest rates and a secure investment option, with tenures ranging from \u003cstrong\u003e5 to 10\u003c/strong\u003e years. It is particularly suitable for conservative investors, offering tax deductions under Section 80C and allowing investments with no upper limit. Individuals can purchase NSCs in their own name, jointly, or on behalf of a minor by visiting their nearest post office."}}],"hideOfferTable":true,"news":{"items":[]},"faqs":{"items":[{"answer":[{"data":{"text":"The minimum investment possible in NSC is Rs.1,000."},"type":"paragraph"}],"question":"What is the minimum limit for investing in NSC?"},{"answer":[{"data":{"text":"The main features of NSC Issue IX are that it comes in denominations of Rs. 100, Rs. 500, Rs. 1,000, Rs. 5,000 and Rs. 10,000. There is no maximum investment limit and the interest rate is 7.7%. The maturity period for these certificates is ten years and is subject to the same \u003ca href=\"/saving-schemes/nsc-rules-and-guidelines.html\" target=\"_blank\"\u003eNSC rules\u003c/a\u003e as Issue VIII. However, now it is not possible to invest in this type of NSC scheme as the Government of India took the decision to discontinue it. "},"type":"paragraph"}],"question":"What are the main features of NSC Issue IX?"},{"answer":[{"data":{"text":"As of 01-04-2013 the maturity period for Issue IX of NSC is 10 years and the interest rate on offer is 8.8% per annum."},"type":"paragraph"}],"question":"What is the maturity period and interest rate for NSC Issue IX?"},{"answer":[{"data":{"text":"Under the rules of Issue VIII of NSC, trusts and HUFs cannot invest in NSC."},"type":"paragraph"}],"question":"Can a trust or an HUF invest in NSC?"},{"answer":[{"data":{"text":"Yes. NSC investments can be provided as collateral to banks, and other government organisations, in order to secure any loans."},"type":"paragraph"}],"question":"Can I take a loan based on my NSC investments?"},{"answer":[{"data":{"text":"No. there is no denomination less than Rs. 100. This means that all your investments HAVE to be in multiples of 100."},"type":"paragraph"}],"question":"Is there a denomination smaller than Rs. 100?"},{"answer":[{"data":{"text":"Under Section 80C of the Income Tax Act, up to Rs.1.5 lakh can be claimed in NSC. "},"type":"paragraph"}],"question":"Is the benefit for NSC under 80C Rs. 1 lakh or Rs.1.5 lakh?"},{"answer":[{"type":"paragraph","data":{"text":"With effect from 01-04-2013 the maturity period for NSC Issue VIII is five years and the \u003ca href=\"/saving-schemes/how-to-calculate-nsc-interest.html\" target=\"_blank\"\u003eNSC interest rate\u003c/a\u003e being offered is 7.7% per annum."}}],"question":"What is the maturity period and interest rate for NSC Issue VIII?"},{"answer":[{"data":{"text":"Yes there is a lock-in period which is equal to the maturity period of the certificates. They can be redeemed early but only under specific conditions."},"type":"paragraph"}],"question":"Is there a lock in period with investment in NSC?"},{"answer":[{"data":{"text":"Yes, a nomination can be canceled or changed at any time using Form 3 and by paying a nominal fee of Rs. 5."},"type":"paragraph"}],"question":"Can a nomination be canceled or changed?"},{"answer":[{"data":{"text":"The main feature of NSC Issue VIII is that it has no limit on the maximum investment possible. It also comes with an interest rate of 7.7% per annum and no TDS. The investment can be used to \u003ca href=\"/saving-schemes/how-to-use-national-saving-certificates-as-security-for-your-loans.html\" target=\"_blank\"\u003esecure loans\u003c/a\u003e and get tax benefits up to Rs. 1.5 lakh under Section 80C of the IT Act. It has a maturity period of five years, and is not available to trusts and HUFs, and comes in the minimum denomination of Rs. 100."},"type":"paragraph"}],"question":"What are the main features of NSC Issue VIII?"},{"question":"How do I purchase NSC online? ","answer":[{"type":"paragraph","data":{"text":"You cannot now subscribe to NSC online. To open an NSC account, you must complete the NSC application form and deliver it to the executive at the nearby Post Office.\u0026nbsp;"}}]},{"answer":[{"data":{"text":"No, there is no TDS on the interest earned on investments in NSC. The tax payable is only calculated on the interest earned in the last year and it is up to the holder of the certificate to declare the income and pay the taxes."},"type":"paragraph"}],"question":"Will tax on NSC Interest earned be deducted at source?"},{"answer":[{"data":{"text":"Investments made in NSC Issue VIII and Issue IX come under the purview of section 80C of the IT Act."},"type":"paragraph"}],"question":"Which part of the IT Act does NSC come under?"},{"answer":[{"data":{"text":"Such a certificate can be purchased by an adult for themselves or on behalf of a minor."},"type":"paragraph"}],"question":"Who can take a single holder type certificate?"},{"answer":[{"data":{"text":"No, non-resident Indians cannot invest in National savings certificates."},"type":"paragraph"}],"question":"I am an Indian but not a resident of the country, can I invest in NSC?"},{"answer":[{"data":{"text":"If you are not a trust or the Karta of an HUF taking an NSC on their behalf, then yes you can take an NSC under the joint holding option."},"type":"paragraph"}],"question":"Can I taken an NSC certificate under a joint holding option?"},{"answer":[{"data":{"text":"Yes, personnel of the armed forces can invest in NSC. In their case, should they pass away or desert, the postmaster can be directed by the forces to pay the nominee or the legal heir the entire amount that was due under the investment."},"type":"paragraph"}],"question":"Can armed forces personnel invest in NSC?"},{"question":"NSC is included in which section? ","answer":[{"type":"paragraph","data":{"text":"Under Section 80C of the Income Tax Act of 1961, the money you contribute to NSC is eligible for income tax deductions.\u0026nbsp;"}}]},{"question":"How is NSC interest calculated? ","answer":[{"type":"paragraph","data":{"text":"You need to be aware that the interest on NSC is compounded annually. In order to determine the principal amount for the second year, the interest you calculate on the main amount invested in NSC should be added to the principal amount.\u0026nbsp;"}}]},{"question":"How can I obtain an NSC certification? ","answer":[{"type":"paragraph","data":{"text":"You will be required to pay for the NSC account when you submit the application form and KYC paperwork to start one. The Post Office branch will give you the NSC certificate once this has been done."}}]},{"question":"How can I online verify my NSC certificate? ","answer":[{"type":"paragraph","data":{"text":"You must advise the Post Office branch that you want to use the online passbook service for your NSC account. The executives will provide you with the necessary internet banking credentials. Once logged in, you may examine all the transaction information for your NSC account. Only a few Post Office locations have access to this feature.\u0026nbsp;"}}]}],"title":"FAQs on NSC"},"hungryForMore":[{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}},{"type":"paragraph","data":{"text":"The \u003cstrong\u003eNSC scheme\u003c/strong\u003e is available at all \u003ca href=\"/saving-schemes/nsc-post-office-saving-scheme.html\" target=\"_blank\"\u003eNSC post offices\u003c/a\u003e and the Indian Government promotes the NSC scheme. Due to the number of post offices present in India and the easy access to these post offices, the scheme has become very popular in India."}},{"type":"paragraph","data":{"text":"The main aim of the scheme is for individuals to make small or medium savings, and \u003ca href=\"/tax.html\" target=\"_blank\"\u003etax benefits\u003c/a\u003e are provided for these savings. Since the scheme is encouraged by the Indian Government, the risks of investing in the scheme are low."}},{"type":"paragraph","data":{"text":"The scheme was launched mainly for individuals, therefore, non-resident Indians (NRIs) and Hindu Undivided Families (\u003ca href=\"/tax/hindu-undivided-family-tax-planning.html\" target=\"_blank\"\u003eHUF\u003c/a\u003e) are not eligible to opt for this scheme. "}},{"type":"paragraph","data":{"text":"Only Indian citizens will be able to invest in the \u003cstrong\u003eNSC scheme\u003c/strong\u003e."}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"content":[{"data":{"text":"Tenure"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"highlight":false,"content":[{"data":{"text":"5 years"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"highlight":true,"content":[{"data":{"text":"Rate of Interest"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"7.7% p.a."}}],"colspan":1,"rowspan":1}]},{"cols":[{"highlight":true,"content":[{"data":{"text":"Minimum Amount"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"data":{"text":"Rs.1,000"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"highlight":true,"content":[{"data":{"text":"Tax Benefits"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"data":{"text":"Under Section 80C of the Income Tax Act"},"type":"paragraph"}],"colspan":1,"rowspan":1}]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"NSC Eligibility","level":2}},{"type":"paragraph","data":{"text":"The eligibility criteria for investors to purchase the NSC are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The individual must be an Indian citizen.","items":[]},{"content":"There is no age limit for individuals in order to purchase a certificate.","items":[]},{"content":"Non-resident Indians cannot invest in NSC.","items":[]},{"content":"Investments can be made with another adult or individuals can buy an NSC on behalf of a minor.","items":[]},{"content":"Under NSC VIII Issue, HUFs and Trusts are not eligible to invest in the scheme.","items":[]}]}},{"type":"jumbotron","data":{"elements":[{"data":{"text":"\u003cstrong\u003eNational Savings Certificate interest rates reduced by 110 bps\u003c/strong\u003e"},"type":"paragraph"},{"data":{"text":"For the April to June quarter of the current financial year, the Central Government slashed the interest rates by up to 140 basis points (bps) on small savings schemes. The interest rates on the National Savings Certificate scheme have been brought down by 110 bps. The rate of interest has been reduced from 7.9% to 6.8%. The interest that is generated from the scheme is calculated on a yearly basis. The scheme is a Government of India initiative and can be opened at Post Offices. The two maturity periods of the scheme are 5 years and 10 years. Under the scheme, tax benefits of up to Rs.1.5 lakh will be provided. Loans can also be availed against the amount available in the account. The government revises the interest rates on small savings schemes every quarter. The government decided to reduce the interest rates after the RBI cut the repo rate by 75 bps recently."},"type":"paragraph"},{"data":{"text":"The Government of India decided to increase the interest rate for NSC from 7% to 7.7%. The interest rate will be applicable on all the investments made during the first quarter for the year 2023.\u0026nbsp;"},"type":"paragraph"}],"title":"Latest Update"}},{"type":"header","data":{"text":"NSC Features","level":2}},{"type":"paragraph","data":{"text":"The main features of the scheme are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMinimum investments:\u003c/strong\u003e The minimum amount that a certificate can be purchased for is Rs.100. The different denominations that the certificate can be purchased for are Rs.10,000, Rs.5,000, Rs.1,000, Rs.500, and Rs.100. Initially, small investments can be made, and individuals can increase investments when feasible.","items":[]},{"content":"\u003cstrong\u003eMaturity tenure:\u003c/strong\u003e Five years and ten years are the two maturity periods of the scheme that individuals can choose from.","items":[]},{"content":"\u003cstrong\u003eRate of interest:\u003c/strong\u003e Currently, the rate of interest has been\u0026nbsp; increased from \u003cstrong\u003e7% to 7.7%\u003c/strong\u003e. and it is compounded on an annual basis. However, the interest is payable only at maturity.","items":[]},{"content":"\u003cstrong\u003eNominations:\u003c/strong\u003e Family members including minors can be added as nominees by the investor. In case the investor passes away during the tenure of the scheme, the nominee will be able to inherit the scheme.\u003cbr\u003e","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eDifferent types of NSC:\u003c/strong\u003e Initially, the NSC IX Issue and the NSC VIII Issue were the two types of certificates available. However, as of December 2015, the Government of India stopped the NSC IX Issue. Therefore, only the NSC VIII Issue is available.","items":[]},{"content":"\u003cstrong\u003eLoans against NSC:\u003c/strong\u003e The NSC can be used as a security or collateral and can be provided to banks to avail loans. However, the respective post master must authorise the transfer of the certificate to the bank.","items":[]},{"content":"\u003cstrong\u003ePurchase of NSC:\u003c/strong\u003e Upon submitting the required documents, the scheme can be purchased at post offices.","items":[]},{"content":"\u003cstrong\u003eTransfer of certificate:\u003c/strong\u003e \u003ca href=\"/saving-schemes/know-about-nsc-transfer-online.html\" target=\"_blank\"\u003eTransfer of NSC\u003c/a\u003e is possible from one post office to another. Transfer of certificate from one individual to another is also possible. However, the certificate will remain the same and the name of the new owner shall be written on the certificate and the name of the old owner will be rounded.\u003cbr\u003e","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Advantages of NSC","level":2}},{"type":"paragraph","data":{"text":"Given below are the main advantages of investing in the NSC:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"One of the main advantages of investing in the NSC is the tax benefits that individuals can avail on the investments they have made. The returns are also guaranteed under this scheme. Many individuals prefer the NSC scheme as it can provide a regular income once they retire.","items":[]},{"content":"Except for the interest that is earned in the final year, the remaining interest that is generated is tax-free.","items":[]},{"content":"In case individuals lose the original certificate, a duplicate certificate can be obtained.","items":[]},{"content":"Even after the maturity period, individuals have an option to continue investing in the scheme.","items":[]},{"content":"Transfer of the certificate is allowed from one individual to another. However, it is allowed only once during the lock-in period.","items":[]},{"content":"The interest that is generated is compounded on a yearly basis and reinvested towards the scheme. Therefore, the invested amount of the individual increases without purchasing certificates.\u003cbr\u003e","items":[]}]}},{"type":"header","data":{"text":"Documents Required to Apply for NSC","level":2}},{"type":"paragraph","data":{"text":"Given below are the documents that must be submitted in order to purchase an NSC:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The \u003ca href=\"/saving-schemes/nsc-application-form-from-post-office.html\" target=\"_blank\"\u003eNSC application form\u003c/a\u003e must be submitted.","items":[]},{"content":"Investors must submit an original identification proof such as \u003ca href=\"/passport.html\" target=\"_blank\"\u003ePassport\u003c/a\u003e, Permanent Account Number (\u003ca href=\"/pan-card.html\" target=\"_blank\"\u003ePAN\u003c/a\u003e) Card, \u003ca href=\"/voter-id.html\" target=\"_blank\"\u003eVoter ID\u003c/a\u003e, \u003ca href=\"/driving-licence.html\" target=\"_blank\"\u003eDriving licence\u003c/a\u003e, Senior Citizen ID, or Government ID for verification.","items":[]},{"content":"The investor must submit a photograph.","items":[]},{"content":"Investors must submit an address proof such as \u003ca href=\"/passport.html\" target=\"_blank\"\u003ePassport\u003c/a\u003e, telephone bill, \u003ca href=\"/electricity-bill.html\" target=\"_blank\"\u003eelectricity bill\u003c/a\u003e, bank statement along with a \u003ca href=\"/ifsc/know-your-cheque.html\" target=\"_blank\"\u003echeque\u003c/a\u003e as well as a Certificate or an ID card that has been issued by the Post Office.\u003cbr\u003e","items":[]}]}},{"type":"header","data":{"text":"How to Invest in NSC\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"Physical NSC certificates were previously distributed by banks or post offices. Since 2016, this has been stopped. Certificates can currently be purchased using Passbook mode or electronic method (e-mode). You can easily purchase an NSC program with a \u003ca href=\"https://www.bankbazaar.com/savings-account.html\" target=\"_blank\"\u003esavings account\u003c/a\u003e at an authorized bank or post office, in contrast to the unpopular and relatively more laborious passbook approach.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"To invest in NSC offline, follow the steps mentioned below: \u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1: \u003c/strong\u003eCollect the NSC application form online or by going to any post office.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2:\u003c/strong\u003e Fill it out with all your details.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3: \u003c/strong\u003eSubmit the form along with self-attested copies of the necessary KYC documents.\u0026nbsp;\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u003c/strong\u003e Carry the original documents for additional verification.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5:\u003c/strong\u003e Pay the amount you want to invest with a cheque or cash.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 6: \u003c/strong\u003eCollect the NSC following approval of your application.\u0026nbsp;\u0026nbsp;"}},{"type":"header","data":{"text":"The Steps to Apply for NSC Online are as follows:\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1: \u003c/strong\u003eOpen Department of Posts (DOP) internet banking and log in.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2:\u003c/strong\u003e Under the '\u003cstrong\u003eGeneral Services\u003c/strong\u003e' section, select the '\u003cstrong\u003eService Requests\u003c/strong\u003e' option.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3: \u003c/strong\u003eClick on '\u003cstrong\u003eNew Requests\u003c/strong\u003e' and choose the ‘\u003cstrong\u003eNSC Account – Open an NSC Account (For NSC)\u003c/strong\u003e’ option.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4: \u003c/strong\u003eEnter the deposit amount and select the debit account that is linked to the PO savings account.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5: \u003c/strong\u003eSelect the ‘Click Here’ to go through the terms and conditions and accept them.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 6:\u003c/strong\u003e Enter the transaction password and select the ‘\u003cstrong\u003eSubmit\u003c/strong\u003e’ option.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 7: \u003c/strong\u003eThe deposit receipt will be available for viewing and downloading.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 8: \u003c/strong\u003eLog in and visit the '\u003cstrong\u003eAccounts\u003c/strong\u003e' section to see the details of your NSC account.\u0026nbsp;"}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Tax Benefits Provided by the NSC","level":2}},{"type":"paragraph","data":{"text":"Given below are the \u003ca href=\"/saving-schemes/national-savings-certificates-tax-benefits.html\" target=\"_blank\"\u003eNSC tax benefits\u003c/a\u003e that individuals can avail by investing in the NSC:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Under \u003ca href=\"/tax/deductions-under-80c.html\" target=\"_blank\"\u003eSection 80C\u003c/a\u003e of the Income Tax Act, 1961, tax benefits of up to Rs.1.5 lakh can be availed by investing towards the NSC.","items":[]},{"content":"The interest that is generated on a yearly basis by investing in the NSC is considered as a new investment for tax benefits.","items":[]},{"content":"Tax Deducted at Source (\u003ca href=\"/tax/all-about-tds.html\" target=\"_blank\"\u003eTDS\u003c/a\u003e) is not applicable under the National Savings Certificate. However, as per the marginal income tax rates, the tax must be paid for the interest that is earned.","items":[]}]}},{"type":"header","data":{"text":"Maturity Period and Premature Withdrawal under the NSC","level":2}},{"type":"paragraph","data":{"text":"Under most scenarios, the amount that has been invested towards the NSC cannot be withdrawn before the maturity period of five years. However, under certain cases, \u003ca href=\"/saving-schemes/all-about-national-savings-certificate-withdrawal-rules.html\" target=\"_blank\"\u003epremature withdrawal\u003c/a\u003e is allowed. Given below are the cases where premature withdrawal is allowed under the NSC scheme:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"In case the certificate holder passes away.","items":[]},{"content":"On the forfeiture of the certificate. However, the pledgee must be a Gazetted Government Officer.","items":[]},{"content":"If ordered by the court of law the invested amount can be withdrawn.","items":[]}]}},{"type":"paragraph","data":{"text":"However, certain documents must be submitted by the certificate holder for the withdrawal of the funds."}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Who Should Invest in NSC?\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"NSC investments are a secure way for investors to receive a consistent return while reducing their tax burden. NSC provides total capital protection and interest guarantees. They are unable to provide returns that outpace inflation, like tax-saving mutual funds and the National Pension System, like the majority of fixed income plans.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"The National Savings Certificate is a personal savings program that the government has encouraged. As a result, neither trusts nor Hindu Undivided Families (HUFs) can invest in it. Additionally, NRIs (non-resident Indians) cannot buy NSC certificates. The program is exclusively available to independent Indian residents.\u0026nbsp;"}},{"type":"references","data":{"items":[{"items":[{"text":"NSC Interest Rate","link":"/saving-schemes/how-to-calculate-nsc-interest.html"},{"text":"NSC Calculator","link":"/saving-schemes/nsc-calculator.html"},{"text":"Loan Against NSC","link":"/saving-schemes/loan-against-national-savings-certificates.html"},{"text":"NSC Online Application form","link":"/saving-schemes/documents-required-for-national-savings-certificate.html"},{"text":"NSC Tax Benefits","link":"/saving-schemes/national-savings-certificates-tax-benefits.html"},{"text":"NSC Application Form From Post office","link":"/saving-schemes/nsc-application-form-from-post-office.html"},{"text":"NSC Withdrawal Rules","link":"/saving-schemes/all-about-national-savings-certificate-withdrawal-rules.html"},{"text":"NSC vs KVP","link":"/saving-schemes/nsc-vs-kvp.html"}],"title":"Top Pages for NSC"},{"items":[{"text":"EPF","link":"/saving-schemes/epf.html"},{"text":"UAN","link":"/saving-schemes/uan.html"},{"text":"EPFO Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html"},{"text":"EPF Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html"},{"text":"UAN Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html"},{"text":"UAN Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html"},{"text":"PF Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html"},{"text":"PF Passbook","link":"/saving-schemes/epf-e-passbook.html"},{"text":"PF Status Online","link":"/saving-schemes/how-to-check-pf-status-online.html"},{"text":"PF Account Number","link":"/saving-schemes/all-about-the-employee-pf-account-number.html"},{"text":"PPF","link":"/saving-schemes/ppf.html"},{"text":"Sukanya Samriddhi Yojana Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html"},{"text":"NPS","link":"/saving-schemes/nps.html"},{"text":"SCSS","link":"/saving-schemes/senior-citizen-saving-scheme.html"}],"title":"Popular Pages for Saving Schemes"}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17751\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17751","linkText":"Check Your Credit Score Now"}}],"breadCrumb":{"currentPageText":"NSC","otherLinks":[{"link":"/saving-schemes.html","text":"Saving Schemes"}]},"hideUserReviews":true,"hideEligForm":true,"metaDescription":"NSC - National Savings Certificate: Benefits, How to Invest, and Secure Returns. Unlock financial prosperity, Invest wisely, save big, and secure your future.","h1Title":"NSC - National Savings Certificate - 2024","metaTitle":"NSC - National Savings Certificate Interest Rate \u0026 Tax Benefits","metaKeyword":"NSC, National Saving Certificate, NSC Interest Rate","showUpdatedOn":false,"interLinks":{"asLeftNav":true,"items":[{"title":"Important pages from Saving Schemes","items":[{"title":"Employee Provident Fund","link":"/saving-schemes/epf.html","text":"EPF"},{"title":"Employee Provident Fund Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html","text":"EPF Balance"},{"title":"Provident Fund Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html","text":"PF Withdrawal Rules"},{"title":"Employee Provident Fund Passbook","link":"/saving-schemes/epf-e-passbook.html","text":"EPF Passbook"},{"title":"Provident Fund Status","link":"/saving-schemes/how-to-check-pf-status-online.html","text":"PF Status"},{"title":"PF Claim Status","link":"/saving-schemes/all-about-epf-claim-status.html","text":"EPF Claim Status"},{"title":"Universal Account Number","link":"/saving-schemes/uan.html","text":"UAN"},{"title":"Universal Account Number Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html","text":"UAN Registration"},{"title":"Universal Account Number Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html","text":"UAN Login"},{"title":"Employee Provident Fund Organization Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html","text":"EPFO Login"},{"title":"PF Balance Number","link":"/saving-schemes/how-to-check-epf-balance-sms.html","text":"PF Balance Number"},{"title":"Public Provident Fund","link":"/saving-schemes/ppf.html","text":"PPF"},{"title":"National Pension Scheme","link":"/saving-schemes/nps.html","text":"NPS"},{"title":"National Pension Scheme Calculator","link":"/saving-schemes/nps-calculator.html","text":"NPS Calculator"},{"title":"Sukanya Samriddhi Yojana Account","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html","text":"Sukanya Samriddhi Yojana Account"},{"title":"Sukanya Samriddhi Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html","text":"Sukanya Samriddhi Calculator"},{"title":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html","text":"Atal Pension Yojana"},{"title":"Pradhan Mantri Jan Dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html","text":"PMJDY"},{"title":"Zero Balance Account through PM Jan Dhan Yojana","link":"/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html","text":"Zero Balance Account through PMJDY"},{"title":"Pradhan Mantri Vaya Vandana Yojana","link":"/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html","text":"PMVVY"},{"title":"Voluntary Provident Fund","link":"/saving-schemes/vpf.html","text":"VPF"},{"title":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html","text":"Kisan Vikas Patra"},{"title":"Senior Citizen Savings Scheme","link":"/saving-schemes/senior-citizen-saving-scheme.html","text":"SCSS"},{"title":"National Savings Certificate","link":"/saving-schemes/nsc.html","text":"NSC"}]}]},"updatedOn":"24 Nov 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"saving-schemes/nsc","productType":"ALL","categoryType":"SAVING_SCHEME","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-f1a2314f.js"; import * as route0 from "/lp-assets/root-DJnZuezO.js"; import * as route1 from "/lp-assets/route-BAfJONhu.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-DcW77Zik.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 1]] = function() { r.__queue.push([t.join("."), arguments]) } } var i, s, r = w[b], z = " ", l = "init options track screen onReady".split(z), a = "feedback survey notification".split(z), c = "options render clear abort".split(z), p = "Open Close Submit Complete View Click".split(z), u = "identify login logout setAttribute".split(z); if (!r || !r.__v) { for (w[b] = r = { __queue: [], __v: "6.0", user: {} }, i = 0; i < l.length; i++) o(r, [l[i]]); for (i = 0; i < a.length; i++) { for (r[a[i]] = {}, s = 0; s < c.length; s++) o(r[a[i]], [a[i], c[s]]); for (s = 0; s < p.length; s++) o(r[a[i]], [a[i], "on" + p[s]]) } for (i = 0; i < u.length; i++) o(r.user, ["user", u[i]]); setTimeout(function() { var f = e.createElement("script"), d = e.getElementById("_webengage_script_tag"); f.type = "text/javascript", f.async = !0, f.src = ("https:" == e.location.protocol ? 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