Post Office NSC Scheme 2025 : If you are looking for a scheme where your money is safe and also gets better returns over time, then the National Savings Certificate (NSC) scheme of the Post Office can be the best option for you. This is a government scheme, which not only gives guaranteed returns but also gives an opportunity to save tax.
Post Office NSC Scheme 2025
The biggest feature of the National Savings Certificate scheme is that after investing in it once, you have to wait for 5 years and then get a huge amount along with interest on maturity. This is the reason why millions of people consider this Post Office NSC scheme as a safe means of their savings.
What is National Savings Certificate Scheme?
NSC i.e. National Savings Certificate is a small savings scheme of the post office, which is completely run by the government. It is a fixed income scheme, in which the investment period is 5 years and the interest is compounded every year and finally gets together.
You can take this scheme from any nearest post office through a very easy process. In this, you can start with a minimum of ₹ 1000 and after this you can invest any amount in multiples of ₹ 100.
- National Savings Certificate Tenure : 5 years
- Interest Rate : 7.7% compounded annually (paid at maturity)
- Minimum Investment : ₹1,000
- Safe & Government-Backed : No market risk
- Tax Benefits : Up to ₹1.5 lakh deduction under Section 80C
Post Office NSC interest Rate 2025
The government is currently paying 7.7% annual compound interest on National Savings Certificate scheme. Although the interest is compounded every year, but on maturity the entire interest is received together with the principal. This Post Office NSC Scheme interest rate is fixed by the government every quarter, but once invested, that interest rate does not change.
₹1.5 Lakh Tax Exemption Annually with National Savings Certificate
Investing in the Post Office NSC scheme gives a tax exemption of up to ₹ 1.5 lakh annually under Section 80C of the Income Tax Act. Apart from this, no TDS is deducted on investment in this scheme.
However, the interest received on maturity is taxable by adding to your income, but it is a completely transparent process.
Post Office NSC Scheme 2025 : Get ₹14.60 Lakh in 5 Years
If a person invests a lump sum of ₹10 lakh in National Savings Certificate , then in a period of 5 years at an interest rate of 7.7%, he will get an interest of Rs 4,59,033, while the maturity amount will be Rs 14,59,033. You can see in the table below –
| Investment Amount (₹) | Period | Interest Rate | Estimated Maturity Amount (₹) |
|---|---|---|---|
| 1 lakh | 5 years | 7.7% | 1,45,903 |
| 2 lakh | 5 years | 7.7% | 2,91,807 |
| 5 lakh | 5 years | 7.7% | 7,29,516 |
| 10 lakh | 5 years | 7.7% | 14,59,033 |
If you are looking for a safe and guaranteed return scheme for 5 years, then Post Office NSC scheme can be a great option for you. In this, you can start investing with just ₹ 1000 and create a fund of lakhs of rupees. Along with this, facilities like tax exemption and government guarantee are also available in National Savings Certificate .
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