What are the historical returns of National Savings Certificate (NSC)?

1-year returns: 6.5–8.5%, 3-year: 6.5–8.5%, 5-year: 6.5–8.5%. Past performance is not a guarantee of future results.

What is the minimum investment for National Savings Certificate (NSC)?

Minimum ticket size: ₹1,000. ₹1,000 minimum.

9. Deposits & Small Savings

National Savings Certificate (NSC)

Government Savings Schemes

Fixed-income government savings certificate with a 5-year tenure and 80C benefit.

Risk Level

Low ★★☆☆☆

Liquidity

🔴 Low

Min Investment

₹1,000

Ticket Size

₹1,000 minimum

Ideal Horizon

1–5 years

Region

India

📈 Historical Returns (Indicative)

1 Year

6.5–8.5%

3 Years

6.5–8.5%

5 Years

6.5–8.5%

10 Years

7–8%

20 Years

7–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — National Savings Certificate (NSC)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

✅ Low risk — capital largely protected

Disadvantages

❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in National Savings Certificate (NSC)

Research and compare options on Applica Finance
Open appropriate account (Demat, bank, or platform account)
Complete KYC with PAN and Aadhaar
Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation

Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.

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