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National Saving Certificate (NSC) Form PDF, Interest Rate 2024, Details

Indian Post Office has started National Saving Certificate (NSC) scheme 2024 for common citizens. Read this article to know how to download post office national savings certificate account opening form PDF, what is interest rate, minimum deposit amount, maximum balance to be retained in NSC account. Also know NSC premature closure, maturity period and other details. 5 Year national saving certificate scheme is an important initiative of Post Office Savings Bank and its official website is

About Post Office National Saving Certificate Scheme (NSC) 

Central government revises Small Savings Scheme interest rates on a quarterly basis. Currently, national saving certificate scheme offers 7.7% interest rate w.e.f 1 April 2024. The interest rate offered under NSC account is compounded annually but payable at maturity.

Who can open National Saving Certificate Account

  • a single adult
  • Joint Account (up to 3 adults)
  • a guardian on behalf of minor or on behalf of person of unsound mind
  • a minor above 10 years in his own name.

Deposit in PO 5-Year National Savings Certificate (NSC)

  • Minimum Rs. 1000 and in multiple of Rs. 100 , no maximum limit.
  • Any number of accounts can be opened under the scheme.
  • Deposits qualify for deduction under section 80C of Income Tax Act.

Post Office 5 Year NSC Interest Rate

  • From 01.04.2024, interest rates under National Savings Recurring Deposit Account is 7.7​% per annum (compounded annually but payable at maturity).

Maturity Period of National Saving Certificate Account

The deposit shall mature on completion of five years from the date of the deposit.

Pledging of Account

  • NSC may be pledged or transferred as security, by submitting prescribed application form at concerned Post Office supported with acceptance letter from the pledgee.
  • Transfer/pledging can be made to the following authorities.
    • The President of India/Governor of the State.
    • RBI/Scheduled Bank/Co-operative Society/Co-operative Bank.
    • Corporation (public/private)/Govt. Company/Local Authority.
    • Housing finance company.

National Savings Certificate (NSC) Form PDF

If you want to open NSC account, then you can follow process here.
  • First of all, go to official website
  • Once you open homepage, click "Post Office Savings Bank" tab.
  • Then page showing Post office savings schemes will open.
  • Click at "National Savings Certificates (VIII Issue) (NSC)" link.
  • Link containing NSC scheme description as well as to open form for NSC account will open.
  • Click "Forms available" link or 
  • Click at "Application Form for Purchase of Certificate" link.
  • Then National Savings Certificate (NSC) application form PDF will open on your screen.
  • You can download this NSC form, take a printout, fill it manually and submit it at nearest post office branch to open your national savings certificate account.
  • Duplicate NSC Certificate Issue Form PDF - Click Here

Premature closure of National Savings Certificate Scheme

NSC may not be prematurely closed before 5 years except the following conditions:-​
  • On the death of a single account, or any or all the account holders in a joint account
  • On forfeiture by a pledgee being a Gazetted officer.
  • On order by court.

Transfer of NSC Account from One Person to Another Person

NSC may be transferred from one person to another person on the following conditions only.​
  • On the death of account holder to nominee/legal heirs.
  • On the death of account holder to joint holder(s).
  • On order by the court.
  • On pledging of account to the specified authority.

Application for transfer of Savings Certificate from person to person under specified conditions -

Minimum Amount to Purchase NSC Certificate

As per the official Indian Post website, the minimum amount to purchase NSC certificate in Post office is Rs. 1000. Then people shall make any deposit in NSC account in multiple of Rs. 100.

Maximum Balance that can be Retained in NSC Account

The maximum balance which can be retained in NSC account has no limit. 

If you want to get more details regarding NSC account, go to official website

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