{"id":6241,"date":"2023-09-16T18:34:43","date_gmt":"2023-09-16T18:34:43","guid":{"rendered":"https:\/\/www.caindelhiindia.com\/blog\/?p=6241"},"modified":"2025-10-20T14:03:53","modified_gmt":"2025-10-20T14:03:53","slug":"all-about-national-savings-certificate-nsc-ppf","status":"publish","type":"post","link":"https:\/\/www.caindelhiindia.com\/blog\/all-about-national-savings-certificate-nsc-ppf\/","title":{"rendered":"All About National Savings Certificate (NSC) & PPF"},"content":{"rendered":"

\"Provident<\/span><\/span><\/strong><\/p>\n

What are the differences and similarities between the National Savings Certificate (NSC) and PPF?<\/span><\/span><\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n
National Savings Certificate (NSC)<\/strong><\/td>\nPublic Provident Fund (PPF)<\/strong><\/td>\n<\/tr>\n
Interest Paid: 8%, compounded half-yearly<\/td>\nInterest Paid: 8%, compounded annually<\/td>\n<\/tr>\n
No monthly\/yearly payments<\/td>\nNo monthly\/yearly payments<\/td>\n<\/tr>\n
Minimum investment: Rs 100 Maximum investment: No Limit<\/td>\nMinimum investment: Rs 500 (required annually)Maximum investment: Rs 70,000<\/td>\n<\/tr>\n
Duration of investment: 6 years<\/td>\nDuration of investment: 15 years<\/td>\n<\/tr>\n
Can be used as a security for mortgage and other purposes<\/td>\nCannot be used for such purposes<\/td>\n<\/tr>\n
Tax benefit under Section 80 \u2018C\u2019 available.Maximum limit: Rs 100,000<\/td>\nTax benefit under Section 80 \u2018C\u2019 available.Maximum limit: Rs 70,000 (limit of the investment in PPF)<\/td>\n<\/tr>\n
Good medium-term investment option<\/td>\nGood long-term investment option<\/td>\n<\/tr>\n
Interest if fully Taxable<\/td>\nInterest is fully Exempt<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Do consider opening a PPF account if you do not have one. You can put in as little as Rs 500 a year to keep it going.<\/p>\n

How<\/span> much interest do I earn by investing in PPF scheme<\/span>?<\/span><\/strong><\/p>\n

Since the year 2003-04, the rate of interest on PPF saving scheme is 8% p.a. compounded annually.<\/p>\n

How does PPF stand vis-\u00e0-vis<\/span><\/span> NSC?<\/span><\/strong><\/p>\n

Investing in PPF certainly scores over investing in NSC. For more details see: Which is better between the PPF and the NSC?<\/a><\/p>\n

How can I make the most of my PPF account? What are the considerations to <\/span>be kept in mind while investing in PPF?<\/span><\/span><\/strong><\/p>\n

There are certain tips and tricks you can use to make the most of your PPF account such as opening PPF account at the earliest, investing on regular basis rather than waiting till the end of the year, and investing before 5th of every month. For more of such tips see: 10 Practical Tips for investing in PPF<\/a>.<\/p>\n

How<\/span> do I calculate the interest on PPF?<\/span><\/strong><\/span><\/p>\n

Use PPF interest Calculator<\/a> to calculate your PPF interest and maturity value.<\/p>\n

Why should I invest in PPF?<\/strong><\/span><\/p>\n

You must invest in a PPF because it is the best debt option after PF:-<\/p>\n