The National Savings Certificate (NSC), operated by the Indian Department of Posts, continues to stand out as one of the most trusted and low-risk investment options for conservative investors. With NSC 2025 offering a 7.7% annual interest rate (compounded and payable on maturity), it promises strong and predictable returns over a five-year period.
Investors who put ₹1,00,000 into NSC 2025 will receive ₹1,44,903 on maturity. A ₹2,00,000 investment grows to ₹2,89,807, while ₹5,00,000 yields ₹7,24,517 after five years. “This assured and safe investment option is suitable for those who want to keep their money safe with good returns,” says the Department of Posts.
Key Benefits and Features:
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Interest Rate: 7.7% per annum, compounded annually and paid at maturity
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Minimum Deposit: ₹1,000 and in multiples of ₹100
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No Maximum Limit: Investors can deposit any amount above the minimum
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Eligibility: Open to single adults, joint holders (up to three), minors above 10, and guardians of minors or mentally challenged individuals
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Maturity: Fixed at 5 years
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Tax Benefits: Investments up to ₹1.5 lakh qualify for deduction under Section 80C of the Income Tax Act
Flexibility and Security Built In
Accounts can be transferred under legal or nominee-based scenarios, such as the death of the account holder or court orders. Premature closure is typically not allowed, except in cases of death, legal directives, or account pledges by a Gazetted Officer.
The scheme is not only safe and straightforward but also provides peace of mind to investors who seek a guaranteed return on their savings. “Investment income up to ₹1.5 lakh exempted from tax under tax exemption,” the department clarified.
With NSC 2025, investors can enjoy both security and profitability—making it an attractive choice amid volatile market conditions.