{"id":17120,"date":"2022-10-04T10:56:13","date_gmt":"2022-10-04T05:26:13","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=17120"},"modified":"2022-10-04T10:56:13","modified_gmt":"2022-10-04T05:26:13","slug":"national-savings-certificate-nsc","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/","title":{"rendered":"National Savings Certificate (NSC)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d299b304596\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d299b304596\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#National_Savings_Certificate_NSC\" title=\"National Savings Certificate (NSC)\">National Savings Certificate (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Features_of_National_Savings_Certificate_NSC\" title=\"Features of National Savings Certificate (NSC)\">Features of National Savings Certificate (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Types_of_National_Savings_Certificate\" title=\"Types of National Savings Certificate\">Types of National Savings Certificate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Benefits_Of_Investing_In_National_Savings_Certificate\" title=\"Benefits Of Investing In National Savings Certificate\">Benefits Of Investing In National Savings Certificate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Tax_Benefits_Of_National_Savings_Certificates\" title=\"Tax Benefits Of National Savings Certificates\">Tax Benefits Of National Savings Certificates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Required_Documents_for_NSC\" title=\"Required Documents for NSC\">Required Documents for NSC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Fixed_Deposits_FD_vs_National_Savings_Scheme_NSC\" title=\"Fixed Deposits (FD) vs National Savings Scheme (NSC)\">Fixed Deposits (FD) vs National Savings Scheme (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Comparison_Between_NSC_and_FD\" title=\"Comparison Between NSC and FD\">Comparison Between NSC and FD<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#How_to_withdraw_NSC_investments\" title=\"How to withdraw NSC investments?\">How to withdraw NSC investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Can_NSC_be_transferred_from_one_individual_to_another\" title=\"Can NSC be transferred from one individual to another?\">Can NSC be transferred from one individual to another?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#What_are_the_advantages_of_investing_in_a_National_Savings_Certificate\" title=\"What are the advantages of investing in a National Savings Certificate?\">What are the advantages of investing in a National Savings Certificate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Who_should_invest_in_the_NSC_scheme\" title=\"Who should invest in the NSC scheme?\">Who should invest in the NSC scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">The National Savings Certificate is a fixed-income investment scheme provided by the government of India that is simple to open at any post office. It is a savings scheme that persuades investors to invest while reducing their income tax liability under Section 80C of the Income Tax Act, 1961.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-14483 size-large\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-150x49.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1.jpg 1080w\" alt=\"kuvera-fixed-deposit-online\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"National_Savings_Certificate_NSC\"><\/span>National Savings Certificate (NSC)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">National Savings Certificates were initially introduced in the 1950s. National Savings Certificates (NSCs) are fixed-income investments that can be opened at any post office branch. The scheme is an initiative of the Indian government. It is a savings scheme that attracts mostly small investors as subscribers. The fixed maturity time for NSC is five years. Although there is no upper limit to the amount people can invest in National Savings Certificates, only investments up to Rs. 1.5 lakh qualify for a tax break under Section 80C of the Income Tax Act. The fixed interest rate on the certificates is presently 6.8% per annum. The interest rate is revised on a regular basis by the government. These certificates are available for purchase at any post office in India by any resident. It is a low-risk initiative that the government supports with a predetermined return rate.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Features_of_National_Savings_Certificate_NSC\"><\/span>Features of National Savings Certificate (NSC)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Interest Rates:<\/strong> The certificates currently earn an annual fixed interest rate of 6.8% per annum (updated regularly by the government), ensuring a steady income for the investor.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Maturity period:<\/strong> Initially, there were two different types of certificates available under the scheme: NSC VIII Issue (5-year tenure) and NSC IX Issue (10-year tenure). Only the first issue is available for subscription following the termination of the second.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Tax-saving ability:<\/strong> As a government-backed tax-saving plan, NSC entitles the principal investor to annual tax savings of up to Rs. 1.5 lakhs under Section 80C of the Income Tax Act.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Investment Flexibility:<\/strong> There is no upper limit and anyone can start with a minimum investment of Rs. 1000.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Accessible:<\/strong> It can be bought at any post office upon production of the necessary KYC documentation. Additionally, the certificate can be easily transferred from one Post Office to another as well as from one person to another without affecting the accumulation of interest or the original certificate&#8217;s maturity.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Loan Collateral:<\/strong> In banks and NBFCs, NSC certificates are recognised as security or collateral for secured loans. In this instance, a transfer stamp is affixed to the certificate and transferred to the bank while disbursing loans<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Compounding&#8217;s power:<\/strong> Interest earned is automatically reinvested and compounded annually, but it is only payable at maturity.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Nomination:<\/strong> The investor may nominate any family member (even a minor) to inherit in the tragic event of his or her death.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Types_of_National_Savings_Certificate\"><\/span>Types of National Savings Certificate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the many ways investors can hold National Savings Certificates:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Single Holder Type Certificate: <\/b><span style=\"font-weight: 400;\">Single-holder certificates are exclusively given out to an individual, as the name implies. He or she has the option to nominate someone for the certificate. The original holder is ultimately in charge of making decisions, though. Additionally, these certificates may be issued to a minor&#8217;s legal guardian.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Joint &#8216;A&#8217; Type Certificate<\/b><span style=\"font-weight: 400;\">: Joint &#8216;A&#8217; type certificates are issued to joint holders, i.e., up to three adults. The proceeds of the certificate are paid to both of these joint holders when it matures. All people are involved in making decisions. The signature of all joint holders is necessary in order to appoint a nominee, cancel the nomination, or transfer the nominee.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Joint &#8216;B&#8217; Type Certificate:<\/b><span style=\"font-weight: 400;\"> This type of National Savings Certificate is also issued to up to three adults. However, the primary distinction between type &#8220;A&#8221; and type &#8220;B&#8221; is that the latter is paid to any one of the joint holders.\u00a0 The decision-making and nomination powers in type &#8220;B&#8221; are identical to those in type &#8220;A.&#8221;<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_Of_Investing_In_National_Savings_Certificate\"><\/span>Benefits Of Investing In National Savings Certificate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Some of the main benefits of investing in NSCs include the following:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NSC investments are almost risk-free because the Indian government backs them.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These investments provide one of the highest returns among fixed-income securities.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With a modest minimum investment requirement of Rs. 1,000 and no maximum investment limit, NSC investments provide investors with flexibility.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Certificates are available at all Indian post offices, allowing for their easy purchase.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These certificates can also be obtained on behalf of a minor. They offer annual tax savings of up to Rs. 1.5 lakh.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the event of the investor&#8217;s passing, NSC investments may also be transferred to another family member (nominated by the investor).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tax_Benefits_Of_National_Savings_Certificates\"><\/span>Tax Benefits Of National Savings Certificates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Small- to middle-income investors might consider NSC as a safe investment option because it also lowers their tax liability.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax deduction for the amount invested: Under Section 80C of the Income Tax Act of 1961, up to 1.5 lakh invested in National Savings certificates qualifies for a tax deduction. This is one of the most significant tax advantages of investing in them.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save tax on Interest: Interest earned on NSC is taxable under the head \u201cIncome from Other Sources\u201d\u00a0 However, the interest is reinvested for the first four years and will not be subject to income tax because of this; instead, this reinvestment will be recognised as a deduction under Section 80C of the Income Tax Act of 1961. Only four years of interest can be reinvested because the NSC has a five-year maturity period. Along with the maturity amount, the investor also receives the interest generated in the fifth year. In essence, the tax benefit is only available for the first four years of the investment period. The interest earned in the fifth and final year is taxable.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Required_Documents_for_NSC\"><\/span>Required Documents for NSC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following documents must be submitted in order to make an NSC investment:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NSC application form.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Investors are required to submit an original form of identification, such as<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent Account Number (PAN) Card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Voter ID<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving license<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior citizen ID, or Government ID for verification.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photograph<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Address proof documents like a phone bill, bank account, passport, or power bill<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fixed_Deposits_FD_vs_National_Savings_Scheme_NSC\"><\/span>Fixed Deposits (FD) vs National Savings Scheme (NSC)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Fixed Deposits:<\/strong> A <a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\">fixed deposit<\/a> is a popular investment option that offers safe and guaranteed returns. It can help people save for the future. It is also a good investment option because it guarantees the principal amount invested. Many <a href=\"https:\/\/kuvera.in\/fixed-deposit\/bankFD\">banks<\/a> and <a href=\"https:\/\/kuvera.in\/fixed-deposit\/nbfcFD\">NBFCs<\/a> provide competitive interest rates to give investors a much-needed chance to simply increase their financial income.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>National Savings Scheme (NSC):<\/strong> A National Savings Certificate is a fixed-income option available at any post office branch. It is a plan to encourage people with low to moderate incomes to save money while reducing their tax obligations. An NSC has a lock-in period of five years. Under Section 80C of the Income Tax Act, investments up to Rs. 1.5 lakh are eligible for a tax deduction. The purchase of an NSC has no upper limit.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Comparison_Between_NSC_and_FD\"><\/span>Comparison Between NSC and FD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Interest Rate<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The interest rate on NSC is periodically fixed by the Indian government. Current NSC interest is 6.8% compounded annually. This rate may or may not be higher than the bank rates. Bank rates on FDs can range from 3% to 7%, thus it entirely depends on which bank the investor is comparing with. Banks also give senior citizens a higher interest rate.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Investment Amount<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">With regard to NSCs, there is no maximum investment amount and a minimum investment of Rs. 1000 and thereafter in multiples of\u00a0 Rs. 100. The fact that it allows for small contributions and qualifies for a tax benefit makes it suited for any investor. Depending on the bank, different FDs have different minimum and maximum investment requirements. However, the maximum tax deduction benefit available under tax saving fixed deposit is Rs. 1.5 lakh.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Premature Withdrawal<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In both schemes, premature withdrawals are subject to different rules and regulations. There are just a few circumstances in which one can exit an NSC before it reaches maturity, including<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The holder of the certificate passing away<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On the forfeiture of certificate by the gazetted officer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On order from a court of law<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Both of the schemes are excellent for conservative investors since they offer tax savings and good investment opportunities. Investors should conduct research before choosing an investment that also fits their personal financial situation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The National Savings Certificate offers numerous advantages, but investors must decide whether to purchase one depending on their tax savings and tax-free income objectives. NSCs are a great choice if one considers oneself a conservative investor and is looking for a consistent return on the investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"How_to_withdraw_NSC_investments\"><\/span>How to withdraw NSC investments?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The NSC investments cannot be withdrawn prior to the maturity period in accordance with the withdrawal conditions. Interest will not be paid if the invested amount is withdrawn within a year. However, the conditions allow for premature withdrawal:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The holder of the certificate passes away.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On the forfeiture of the certificate, but only if the pledgee is a Gazetted Government Officer.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If a court of law orders, the entire investment can be withdrawn.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following documents must be filed in accordance with the withdrawal rules. The certificate holder must provide the following documents in order to withdraw:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The original NSC certificate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NSC encashment form<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of identity<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If it was acquired on behalf of a minor, the attestation of the guardian is required. The nominee may withdraw the entire amount invested in the event that the NSC certificate holder passes away.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Can_NSC_be_transferred_from_one_individual_to_another\"><\/span>Can NSC be transferred from one individual to another?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is transferable if the amount is transferred to the legal heirs or nominees, as applicable, upon the death of the account holder in the case of a single account or at the death of all account holders in the case of a joint account. The account must be transferred in accordance with the court&#8217;s orders from the account holder to the court or to any other party;\u00a0 upon pledging, the account must be transferred. In the event of the death of one of the joint account holders, the joint account shall be transferred in the name of the remaining joint account holder or joint account holder, as applicable.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_the_advantages_of_investing_in_a_National_Savings_Certificate\"><\/span>What are the advantages of investing in a National Savings Certificate?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are some NSC benefits:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Saves tax:<\/strong> The National Savings Certificate&#8217;s principal benefit is the ability to save income tax under section 80C of the Income Tax Act of 1961 for investments up to Rs. 1.5 lakh each financial year.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Guaranteed interest:<\/strong> This product is backed by the government and offers a guaranteed rate of return due to its limited exposure to riskier instruments.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Maturity period:<\/strong> It only has a five-year minimum maturity period. Bank tax-saving fixed deposit products also have a maturity period of five years.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Easily accessible:<\/strong> It is widely available at every post office in India. A National Savings Certificate can be obtained by anyone by going to the post office.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Compounded interest:<\/strong> In accordance with this plan, interest is automatically compounded, reinvested, and qualified for a tax deduction under section 80C of the Income Tax Act.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Fixed interest rates:<\/strong> There is no fluctuation in interest rates because they are fixed for five years.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>No limit and no TDS deduction:<\/strong> The maximum investment in NSC has no upper limit. TDS is also not applicable to this investment instrument.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Transfer facility:<\/strong> Before it reaches maturity, you can move this NSC product from one post office to another at any moment.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Duplicate certificate:<\/strong> A person can apply for a duplicate NSC at the closest post office in the event of loss or theft.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Minors:<\/strong> This product\/investment can be purchased for minors. It might be opened jointly or individually.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Regular flow of funds:<\/strong> This product generates a steady flow of income, i.e.., guarantees steady income.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Premature withdrawal:<\/strong> Only the principal amount is refunded to the investor if the withdrawal is made within a year of the investment date.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Who_should_invest_in_the_NSC_scheme\"><\/span>Who should invest in the NSC scheme?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">An investor seeking the following options might think about investing:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a fixed income paid at regular intervals such as monthly, quarterly, or annually.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a fixed rate of interest<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">low risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">save tax<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Along with the aforementioned advantages, the scheme also has a few drawbacks, including low-interest rates and no <a href=\"https:\/\/kuvera.in\/blog\/what-is-inflation-and-how-it-works\/\">inflation<\/a> adjustment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">However, it entirely depends on the investor&#8217;s financial objectives. The government has made every effort to open up the scheme to investors. It is accessible at almost all post offices, and the registration process is simple.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p style=\"padding-left: 40px;\">\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/N1li1d9X0jw\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a>\u00a0and\u00a0<a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The National Savings Certificate is a fixed-income investment scheme provided by the government of India that is simple to open at any post office. It is a savings scheme that persuades investors to invest while reducing their income tax liability under Section 80C of the Income Tax Act, 1961. &nbsp; &nbsp; National Savings Certificate (NSC) [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":17128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,593],"tags":[1625,1624,1623],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>National Savings Certificate - Meaning, Features, Tax Benefits - Kuvera<\/title>\n<meta name=\"description\" content=\"What is National Savings Certificate? - NSC is a fixed income instrument scheme that one can open easily at any post office. 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