National Savings Certificate
National Savings Bank
National Savings Certificate is a saving product which pays interest upfront without waiting for maturity. Anyone can afford a National Savings Certificate as they are available at different values of Rs. 500/-, Rs. 1,000/-, Rs. 5,000/-, Rs. 10,000/- and Rs, 25,000/-. for 3, 6, 12, 24, 36 and 48 months.
| Month | Rate |
|---|---|
| Months 3 | 6.25% |
| Months 6 | 6.50% |
| Months 12 (1y) | 6.75% |
| Months 24 (2y) | 7.00% |
| Months 36 (3y) | 7.25% |
| Months 48 (4y) | 7.50% |
Rates and terms last verified on 7 July 2025.These rates may be outdated — please confirm with the bank before applying.
National Savings Certificate is a saving product which pays interest upfront without waiting for maturity. Anyone can afford a National Savings Certificate as they are available at different values of Rs. 500/-, Rs. 1,000/-, Rs. 5,000/-, Rs. 10,000/- and Rs, 25,000/-. for 3, 6, 12, 24, 36 and 48 months.
- If you surrender your certificate at the maturity, your interest is paid from the date of maturity.
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