Post Office Scheme: Dhansu scheme of post office, tax will also be saved and you will get excellent returns

National Savings Certificate: Currently many mediums are available for investment. People can invest in different schemes according to their needs. On the other hand, if you want to save tax, then there are many schemes for this too.

Today we are going to tell you about such a great scheme. National Savings Certificate or NSC is a popular option. As a low-risk investment, it comes with many advantages. National Savings Certificate (NSC) is a fixed income investment scheme that you can open at any post office branch. This scheme is an initiative of the Government of India.

National Savings Certificate

It is a savings bond that encourages customers to invest mainly in small to middle income investors and those who are eligible for income tax exemption. Anyone looking for a safe investment avenue to earn steady interest while saving on tax can invest in NSC. NSC offers guaranteed interest and complete capital protection.

Tax Benefit

However, like most fixed income schemes, they cannot provide inflation-beating returns like tax benefit mutual funds and the National Pension System. The government has made NSC easily accessible to potential investors by making them available at post office branches spread across the country. National Savings Certificate (NSC) NSC is a medium term savings scheme with a maturity period of 5 years.


The scheme currently offers an annual interest rate of 7 percent compounded half-yearly but is payable at maturity. Unlike PPF, it does not limit the maximum investment as there is no limit on the maximum investment. Although the minimum investment in this scheme is 1000 rupees.

The minimum investment amount can be increased with denominations of Rs.100. There is no limit on the number of accounts opened under this scheme. The deposit amount is eligible for tax exemption under section 80C of the Income Tax Act, 1961.

Leave a Comment