National Savings Certificate Statistics 2026: Deposits, Withdrawals and Net Collection
· 2 min read · 7 official sources
Savers put Rs 58,990.07 crore into National Savings Certificates (VIII Issue) in 2025-26 and withdrew Rs 32,667.50 crore, leaving a net collection of Rs 26,322.57 crore, according to the National Savings Institute. Deposits for April to August 2026 reached Rs 31,569.20 crore. Year-wise figures since 2021-22 are below.
National Savings Certificate (NSC VIII Issue): key numbers
Infographic
NSC deposits, withdrawals and net collection by year
Full-year (progressive to March) figures for NSC VIII Issue at post offices and banks, from the National Savings Institute's monthly scheme-wise statements. The 2024-25 figures are marked provisional in the March 2025 statement.
| Year | Deposits (Rs crore) | Withdrawals (Rs crore) | Net collection (Rs crore) |
|---|---|---|---|
| 2021-22 | 40,368.33 | 20,672.89 | 19,695.44 |
| 2022-23 | 42,655.48 | 31,862.84 | 10,792.64 |
| 2023-24 | 56,306.82 | 39,446.07 | 16,860.75 |
| 2024-25 | 66,251.56 | 55,327.93 | 10,923.63 |
| 2025-26 | 58,990.07 | 32,667.50 | 26,322.57 |
Source: nsiindia.gov.in, as on 31 March 2026
NSC collections by channel in 2025-26
Deposits, withdrawals and net collection for NSC VIII Issue split between the Department of Posts and banks, for the full year 2025-26.
| Channel | Deposits (Rs crore) | Withdrawals (Rs crore) | Net collection (Rs crore) |
|---|---|---|---|
| Department of Posts | 58,845.95 | 32,667.48 | 26,178.47 |
| Banks | 144.12 | 0.02 | 144.10 |
Source: nsiindia.gov.in, as on 31 March 2026
How an NSC is bought and redeemed
What the numbers show
National Savings Certificates (VIII Issue) remain one of the larger small savings schemes sold through post offices. According to the National Savings Institute (NSI), savers deposited Rs 58,990.07 crore in NSC during 2025-26. Payments on certificates that matured or were closed came to Rs 32,667.50 crore, leaving a net collection of Rs 26,322.57 crore for the year.
In the first five months of 2026-27, from April to August 2026, NSC deposits stood at Rs 31,569.20 crore and the net collection at Rs 17,795.97 crore.
The trend over five years
The NSI statements for March of each year give the full-year totals. NSC deposits were Rs 40,368.33 crore in 2021-22 and Rs 42,655.48 crore in 2022-23. They rose to Rs 56,306.82 crore in 2023-24 and Rs 66,251.56 crore in 2024-25, before easing to Rs 58,990.07 crore in 2025-26.
Net collection has moved up and down more sharply than deposits, because it depends on how many older certificates mature in a given year. It was Rs 19,695.44 crore in 2021-22, Rs 10,792.64 crore in 2022-23 and Rs 16,860.75 crore in 2023-24. In 2024-25 it was Rs 10,923.63 crore, and in 2025-26 it reached Rs 26,322.57 crore, the highest in this five-year series.
Post office or bank
Almost all NSC business goes through the Department of Posts. In 2025-26, post offices took in Rs 58,845.95 crore of NSC deposits, while banks collected Rs 144.12 crore.
What the figures do not tell you
These are money flows, not the number of investors or certificates. The statements do not show how many people bought NSC or the average size of an investment. The 2024-25 March statement is marked provisional, so final figures for that year may differ slightly.
Where to check the numbers
The NSI publishes a scheme-wise collection statement every month on nsiindia.gov.in, under Data and Statistics. Each statement gives deposits, payments and net collection for the month and the year to date, for every small savings scheme.
Frequently asked questions
How much money was invested in NSC in 2025-26?
Savers deposited Rs 58,990.07 crore in National Savings Certificates (VIII Issue) during 2025-26, according to the National Savings Institute's March 2026 scheme-wise statement.
What is the net collection under NSC?
Net collection is deposits minus payments on maturing or closed certificates. For 2025-26 the National Savings Institute reported a net collection of Rs 26,322.57 crore for NSC VIII Issue.
Was NSC more popular in 2024-25 or 2025-26?
Deposits were higher in 2024-25, at Rs 66,251.56 crore (provisional), than the Rs 58,990.07 crore recorded in 2025-26. Net collection was higher in 2025-26 because withdrawals were lower that year.
Can NSC be bought at a bank?
Yes, but very little NSC money comes through banks. In 2025-26, banks collected Rs 144.12 crore in NSC deposits, against Rs 58,845.95 crore at the Department of Posts.
Where are official NSC collection figures published?
The National Savings Institute under the Department of Economic Affairs publishes a monthly statement of scheme-wise collections in post offices and banks on nsiindia.gov.in, with figures for the month and for the year so far.
Eligibility, documents and how to apply: National Savings Certificate (NSC VIII Issue) full guide
Charts, data files and the infographic are free to download, share and embed with a link back to this page.
Sources
This guide was checked against these official pages:
- nsiindia.gov.in (www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=313)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/CGA%20March%202026.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/CGA%20August%202026.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/March%202025.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/PDF/SWC%202023-2024/2023-24%2012.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/PDF/SWC%202022-2023/2022-23-12.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/PDF/SWC%202021-2022/2021-22-12.pdf)