Short Term Savings Certificate calculator

Short Term Savings Certificates are the National Savings version of a short fixed deposit. Pick the term to see what you get back.

How it's calculated

Rs. 500,000 for one year at 11.31% earns Rs. 56,550, or Rs. 48,067.50 after a filer's tax.

When is the profit paid?

This calculator assumes the profit is paid with the amount at the end of the term.

Which term pays most?

From 1 October 2026 the one-year certificate has the highest rate, 11.31%.

How does this compare with a bank deposit?

Use the bank profit tax calculator to compare with a bank term deposit, which has its own tax rate.

Up-to-date official data

Data checked against the official source on 17 October 2026.

We check the official sources automatically, every day.