Special Savings Certificate calculator

Special Savings Certificates run for three years and pay profit every six months. Enter the amount to see each payment and the total.

How it's calculated

The first five half-yearly payments are worked out at 11.6% a year: Rs. 5,800 per Rs. 100,000 each time.
The sixth and last payment uses 12.9%: Rs. 6,450 per Rs. 100,000.
Withholding tax is 15% for filers and 30% for non-filers.

Rs. 100,000 earns Rs. 35,450 over three years before tax, or Rs. 30,132.50 for a filer.

Why is the last payment higher?

National Savings sets a higher rate for the last half-year in its profit table.

Which rate applies to my certificate?

The table of the date you invest. This page uses the rates from 1 October 2026.

Is there an account version?

Yes, the Special Savings Account follows the same profit table.

SSC: Special Savings Certificate, a 3-year National Savings certificate with half-yearly profit.

Up-to-date official data

Data checked against the official source on 17 October 2026.

We check the official sources automatically, every day.