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National Savings Institute Govt of India – Notification

Regarding sensitizing investors about National Savings Schemes

F. No. FS-16/24/2020-FS-Part(1)
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan,
New Delhi-110001
Dated 18/07/2022


All Head of Circles/Regions.

Subject: Regarding sensitizing investors about National Savings Schemes.


It has observed that many POSB account holders are not fully aware about safety of their accounts /investments, facilities available in National Savings Schemes or rules applicable in National Savings Schemes. This leads to misuse of their investments/accounts by some miscreants /fraudsters or non-availing of various facilities.

2. Keeping in view the safety of depositors’ hard-earned money and spreading awareness amongst the investors, detailed safety guidelines for investors of National Savings Schemes have been prepared. The same is enclosed in English and Hindi for reference. Circles may add more instructions in view of local conditions.

3. It is requested to circulate these instructions to all post offices and the same may be placed on Notice Board/counters as well. Circles may also translate these instructions in regional language wherever applicable.

4. This is issued with the approval of the Competent Authority.

Enclosed: As above

Yours Faithfully
(Devendra Sharma)
Assistant Director (SB-II)

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The interest rates applicable on various National (Small) Savings Schemes with effect from 01.07.2022 to 30.09.2022

Instruments Rate of interest
Annually (Compounding Frequency)
Post Office Savings Account​​ 4.0
Quarterly and Paid (Compounding Frequency)
1 Year Time Deposit 5.5(Annual Interest R. 561 on Rs. 10000 deposit)
2 Year Time Deposit​​ 5.5(Annual Interest R. 561 on Rs. 10000 deposit)
3 Year Time Deposit​​ 5.5(Annual Interest Rs. 561 on Rs. 10000 deposit)
5 Year Time Deposit 6.7(Annual Interest R. 687 on Rs. 10000 deposit)
Quarterly (Compounding Frequency)
5 Year Recurring Deposit Scheme​​ 5.8 Maturity value for Rs. 100 Dn. 5 Year = 6969.67 After extension with deposit. 6 Year = 8620.98 7 Year= 10370.17 8 Year= 12223.03 9Year= 14185.73 10Year=16264.76
Quarterly and Paid (Compounding Frequency)
Senior Citizen Savings Scheme​​ 7.4(Quarterly interest Rs. 185 on Rs. 10000 deposit)
Monthly and paid (Compounding Frequency)
Monthly Income Account​​ 6.6(Monthly int. Rs. 55 on Rs. 10000 deposit)
Annually (Compounding Frequency)
National Savings Certificate (VIII Issue) 6.8(Maturity Value Rs. 1389 for Rs.1000 deposit) Accrued Interest for IT purpose for Rs. 1000 Dn. 1stYear= Rs.68.00 2ndYear=Rs.72.62 3rd Year=Rs.77.56 4th Year=Rs.82.84 5th Year=Rs.88.47
Public Provident Fund Scheme​​ 7.1
Kisan Vikas Patra​​ 6.9 (will mature in 124 months)
Sukanya Samriddhi Account Scheme​​ 7.6