NSS vs Bank vs Prize Bond Comparator
Where should your savings go? Compare National Savings schemes, bank deposits and prize bonds side by side on the same amount and tenure.
Compare Your Options
Frequently Asked Questions
Which National Savings scheme pays the most?
As of October 2026, Behbood Savings (for seniors/widows) pays 12.72% — the highest. For the general public, Regular Income (11.76%) and Special Savings (11.60%) are the main options.
Are NSS profits taxed?
Yes — withholding tax applies on profit: 15% for filers, 30% for non-filers. Behbood has no WHT for qualifying individuals up to certain limits.
Why not just use a bank?
Banks are convenient and liquid, but their savings rates (often 7–10%) usually trail National Savings. This comparison shows the rupee difference over your chosen tenure.
Where do prize bonds fit?
Prize bonds protect principal and offer lottery upside, but their expected return (~1–2%/yr) is far below NSS. Use our Prize Bond EV Calculator for exact odds.