- विवरण
- फ़ायदे
- पात्रता
- आवेदन प्रक्रिया
- आवश्यक दस्तावेज़
- अधिकतर पूछे जाने वाले सवाल
- स्रोत और संदर्भ
- प्रतिपुष्टि
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
National Savings Certificates (VIII-Issue) Scheme
Ministry Of Finance
विवरण
- Single Holder Type Account: This type of account may be opened by an adult for himself, or on behalf of a minor or a person of unsound mind of whom he is the guardian; or by a minor who has attained the age of 10 years.
- Joint A- Type Account: This type of account may be opened jointly in the names of upto three adults payable to all the holders jointly or to the survivor or survivors.
- Joint B- Type Account: This type of account may be opened jointly in the name of upto three adults payable to any of the account holders or to the survivor or survivors.
फ़ायदे
- National Savings Certificates offer an attractive interest rate of 7.7% compounded annually but payable at maturity.
- No maximum deposit limit.
- Account matures in 5 years.
- Loan facility available by pledging with the banks.
पात्रता
- Any individual who is a resident of India can avail of the benefits under the scheme.
- On behalf of a minor or a person of unsound mind, the guardian can apply under the scheme.
- The minimum age of minors should be 10 years.
Deposits:
- A minimum of ₹1000/- and any sum in multiples of ₹100/- may be deposited in an account.
- There shall be no maximum limit for deposits in an account or in accounts held by an account holder.
- An individual may open any number of accounts.
Payment on Maturity:
- The deposit shall mature on completion of 5 years from the date of the deposit. The amount of maturity may be repaid to the account holder after submitting the specified form to the accounts office.
- The maturity value of an account opened with one thousand rupees shall be One thousand four hundred sixty-two rupees and fifty-four paisa and proportionate for deposits made with any other sum. In the calculation of maturity value, any amount in fraction of a rupee shall be rounded off to the nearest rupee and for this purpose, any amount of fifty paisa or more shall be treated as one rupee, and any amount less than fifty paisa shall be ignored.
- A certificate of annual accrual of interest shall be issued by the accounts office, on demand, to the account holder.
आवेदन प्रक्रिया
Application process:
Premature closure of account:
- on the death of the account holder in a single account, or any or all the account holders in a joint account;
- on forfeiture by a pledgee being a Gazetted Officer, when the pledge is in conformity with this Scheme;
- when ordered by a court.
Transfer of account from one individual to another:
- on the death of the account holder in case of a single account or on the death of all the account holders in a joint account, the amount shall be transferred to the legal heirs or the nominees as the case may be.
- on the order of the court, the account shall be transferred from the account holder to the court or to any other individual as per the orders of the court;
- on pledging, the account shall be transferred in accordance;
- in the event of the death of any of the account holders in a joint account, the account shall be transferred in the name of the surviving account holder or account holder, as the case may be.
Payment on the death of the account holder:
आवश्यक दस्तावेज़
- Passport size Photo
- Aadhaar Card
- PAN Card
- Proof of age i.e. Birth Certificate
- The following documents are accepted as valid documents for the purpose of identification and address proof:
- Passport
- Driving license
- Voter’s ID card
- Job card issued by NREGA signed by the State Government officer
- Letter issued by the National Population Register containing details of name and address;
अधिकतर पूछे जाने वाले सवाल
What is National Savings Certificate?
The scheme “National Savings Certificates (VIII-Issue) Scheme” was launched by the Department of Economic Affairs, Ministry of Finance, Government of India to promote a culture of long-term savings among individuals. Under the scheme, an individual can deposit a minimum of ₹1000/- and thereafter in multiple of ₹100/- with no maximum deposit limit for 5 years maturity period.
Who is eligible to invest in 'National Savings Certificates (NSCs)'?
Any individual who is a resident of India can avail the benefits under the scheme.
Can non-residents invest in NSCs?
No, NSCs are generally not available for non-residents. They are specifically designed for Indian residents.
Is there any age restriction for NSC investors?
No, NSCs are open to individuals of all age groups, from minors to senior citizens. The minimum age for minors should be 10 years.
What are the available tenures for the scheme?
NSCs typically come with fixed tenures, with common options being 5 years.
What is the current rate of interest offered on the scheme?
The interest rate on NSCs is determined by 7.7 % compounded annually but payable at maturity.
How can I apply for National Savings Certificates?
The applicant can visit nearest Post Office Branch or a designated bank.
Can NSCs be transferred to another individual?
Yes, NSCs are transferable, providing flexibility for investors to assign or transfer their certificates to another person.
What happens in case of the investor's demise?
NSCs allow for nomination, ensuring that in the event of the investor's demise, the designated nominee receives the proceeds.
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है
शेयर
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
National Savings Certificates (VIII-Issue) Scheme
Ministry Of Finance
- Single Holder Type Account: This type of account may be opened by an adult for himself, or on behalf of a minor or a person of unsound mind of whom he is the guardian; or by a minor who has attained the age of 10 years.
- Joint A- Type Account: This type of account may be opened jointly in the names of upto three adults payable to all the holders jointly or to the survivor or survivors.
- Joint B- Type Account: This type of account may be opened jointly in the name of upto three adults payable to any of the account holders or to the survivor or survivors.
शेयर
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है