Invest in the Post Office and Get a Return of Rs 1,16,062, Know About This Amazing Scheme

Post Office Scheme: If you are an investor who wants to keep your capital safe while avoiding risk and also receive a fixed return, then the Post Office’s National Savings Certificate (NSC) scheme can be a strong option for you. This scheme is fully supported by the Government of India, so there is no uncertainty regarding the security of your investment. Market fluctuations do not affect this scheme, making it a safe option for long-term investment.

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Another major advantage of investing in NSC is that it is also useful for tax savings. Investments made under this scheme are eligible for tax exemption under Section 80C of the Income Tax Act, allowing investors to reduce their annual tax liability.

Current interest rate and tax benefits on NSC

Currently, the National Savings Certificate offers an annual interest rate of 7.7 percent. Interest is calculated annually, but the payment is made only after the completion of the five-year maturity period. The most important thing is that the interest rate fixed at the time of investment remains applicable for the entire duration.

The annual interest earned on NSC is considered reinvested. Therefore, the interest for each year, except the final year, is also eligible for tax exemption under Section 80C. However, the entire amount received at maturity is taxable.

How much return will you get on an investment of ₹2.5 lakh?

If an investor deposits a lump sum of ₹2,50,000 in a National Savings Certificate, they will receive a return based on compounding interest. Based on the current annual interest rate of 7.7 percent, after the completion of the five years, this investment will yield a net return of approximately ₹1,16,062.

Thus, at the time of maturity, the investor receives a total amount of ₹3,66,062. This return is completely fixed and is not affected by any market fluctuations.

Who can invest in NSC?

All Indian citizens can invest in the National Savings Certificate (NSC) scheme. This scheme is not available to Non-Resident Indians (NRIs). However, if a person becomes an NRI after investing, they can hold the certificate until maturity.

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Adults can invest in their own name, and investments can also be made on behalf of minors or mentally incapacitated individuals by their guardians. Minors aged ten years or older can also invest in this scheme themselves. Trusts and Hindu Undivided Families (HUF) are not eligible to invest in this scheme, but the Karta (head) of an HUF can purchase NSCs in their individual name.