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₹ 10,000 will be applied at ₹ 14,490, these government schemes with guaranteed returns – India tv hindi

by Aaryan Srivastav
January 27, 2025
₹ 10,000 will be applied at ₹ 14,490, these government schemes with guaranteed returns - India tv hindi

Photo: India tv You can open as many NSC accounts as you wish in the post office or bank.

If you are among those investors who want investment security and guaranteed returns, then one of the small savings schemes of the Government of India can prove to be a very attractive scheme for you. Since this is the savings scheme of the Center, you also get guaranteed returns in a fixed time and your money invested is completely safe. Under the National Saving Certificate i.e. NSC, you can open as many accounts as you wish in the post office or bank.

Who can open NSC account

According to the official website of India Post, an adult person can open an account. Also, three adults can open a joint account. In addition, parents can also invest in this scheme on behalf of a minor or mentally unhealthy person. If a minor is over 10 years of age, he can also invest in the National Savings Certificate Scheme in his name. According to the official website of India Post, for example if you invest Rs 10,000 in NSC account, then it becomes ₹ 14,490 on maturity.

How much can you invest

You can deposit a minimum of Rs 1000 and Rs 100 in the National Saving Certificate Account in multiple rupees. There is no maximum limit of investment amount in it. Any number of accounts can be opened under the scheme. One important thing is that the deposits in this account are eligible for tax deduction under Section 80C of the Income Tax Act. Another important thing should be noted that on completion of five years from the date of deposits, the deposited amount will be mature (mature). The amount deposited in the National Saving Certificate Account is currently getting 7.7% annual compound interest, which is payable on maturity.

Transfer can be done from one person to another

One important thing in the National Saving Certificate Account is that in a special situation it can be transferred from one person to another. This can be done on the death of the account holder to the nominee/legal heir, the joint holder or holders on the death of the account holder and on the court’s order.

When can the account be closed ahead of time

NSC cannot be closed prematurely before 5 years. Yes, only three circumstances- on the death of a single account holder, or on the death of any or all account holders in a joint account holders, the account can be shut down by the gazetted officer and the account on the court’s order.

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