National Savings Certificate maintains 7.

National Savings Certificate maintains 7.7% interest rate for April-June 2026. The government-backed small savings scheme keeps rates unchanged from the previous quarter, offering competitive returns compared to bank fixed deposits yielding under 7%. NSC provides fixed income security with minimum investment of just Rs 1,000 and no upper limit. Investors benefit from tax deduction eligibility under the old tax regime. The scheme matures after 5 years with annual interest reinvestment through year four. While early withdrawal is restricted except in specific circumstances like account holder death or court orders, NSC remains an attractive option for conservative investors seeking stable, government-guaranteed returns with tax advantages.