Скачать или смотреть NSC Post Office Scheme in Hindi 2022 | Rules, Interest Rate and Tax Benefit

NSC is one of the Most Popular post Office Schemes in Hindi. The interest rate is not very high but it can give a return of up to 15% because of tax benefits. NSC Return Calculation and rules for 2022.

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5 Years National Savings Certificate (VIII Issue)
From 01.04.2020, interest rates are as follows:-
6.8 % compounded annually but payable at maturity.
INR 1000/- grows to INR 1389.49 ​after 5 years
Minimum of Rs. 1000/- and in multiples of Rs. 100/- No Maximum Limit

(a) Who can open :-
(i) a single adult
(ii) Joint Account (up to 3 adults)
(iii) a guardian on behalf of minor or on behalf of person of unsound mind
(iv) a minor above 10 years in his own name.
(b) Deposit:-
(i) Minimum Rs. 1000 and in multiple of Rs. 100 , no maximum limit.
(ii) Any number of accounts can be opened under the scheme.
(iii) Deposits qualify for deduction under section 80C of Income Tax Act.
(c) Maturity:-
The deposit shall mature on completion of five years from the date of the deposit.
(d) Pledging of account:-
(i) NSC may be pledged or transferred as security, by submitting prescribed application form at concerned Post Office supported with acceptance letter from the pledgee.
(ii) 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.
(e) Premature closure:-
NSC may not be prematurely closed before 5 years except the following conditions : -

​(i) On the death of a single account, or any or all the account holders in a joint account
(ii) On forfeiture by a pledgee being a Gazetted officer.
(iii) On order by court.
(f) Transfer of account from one person to another person.:-
NSC may be transferred from one person to another person on the following conditions only.

​(i) On the death of account holder to nominee/legal heirs.
(ii) On the death of account holder to joint holder(s).
(ii) On order by the court.
(iii) On pledging of account to the specified authority.

00:00 NSC Kya Hai
00:36 Tenure of NSC
00:58 Investment Limit
01:24 Investment Frequency
01:44 Who Can Invest in NSC
02:11 Interest Rate
03:07 How to get 15% return
03:55 NSC Return Calculation
04:20 Tax Benefit for 20% tax slab
04:49 12% Return calculation
05:28 15% Return Calculation
06:27 tax benefit summary
07:00 Taxation on NSC
07:40 Account Opening
08:19 NSC in Banks
08:55 NSC vs KVP