Lost National Savings Certificate?

NSC has been a one of the best investment option for middle class families in India, along with income tax savings it also offers good assured returns. NSCs are most common under salaried persons.

Since NSCs are a long term investment option, it is very common for people to forget where they had put the certificates after buying. There are lots of other reasons too when you may lost your NSC certificate(s).

What to do when you have lost National Savings Certificate?

If you have lost your NSC, you can get duplicate certificates issued by filing an application on the prescribed form.- Form NC 29 along with following documents

Certificate of identification

The person filing the application has to secure a witness to declare that he knows the applicant and that the application was signed in his presence.

Supporting documents

If the certificate has been stolen or lost, a police complaint has to be filed and a copy of the FIR enclosed. An indemnity bond must also be furnished by the investor.


A fee, prescribed from time to time, has to be paid while applying for the issuance of a duplicate certificate.

Points to note

Information: The application has to provide details of the name(s) in which the certificates were originally issued, the serial number, date of issuance, mode of holding, etc.



10 comments for “Lost National Savings Certificate?

  1. Debasis Dash
    August 17, 2019 at 10:17 am

    I had purchased 3 NSC of 10,000 each in March 2008 from Sec-16 Post office Noida.

    I was transferred from NOIDA to Bhubaneswar due to Illness. Hence, I shifted my belongings to Bhubaneswar. During the same ! lost the packet in which the Certificates were placed.

    I do not remember the serial No. and date of purchasing the same.

    How do I retrieve the same? can any body help

  2. Anil kumar Chhabra
    January 16, 2019 at 2:43 pm

    My nsc lost the postmaster saying so many formalities please tell me in this mattera

  3. baqaullah.khan
    June 16, 2017 at 6:56 pm

    Hi baqaullah khan purchased indra vikas patras bond 35 years back bt I don’t have any details .. what I know that I get those bonds from up roadways as a salary incriminate in head post office meerut …so please can u help

      November 10, 2018 at 5:12 am

      I lost my NSC and I have no records ,How ICan get list of purchase of NSC .So I can confirm how much NSC is pending.

  4. Gopalkrishnan
    November 10, 2016 at 5:32 am

    When I contacted Post Office, they informed that a form to be filled and two Government employees have to be certified with their salary certificate. First of all Govt employee will not agree for such certification, unless they are close relatives and
    no one will give/show their Salary Certificate to other person. So indirectly we cannot get the money back. When I told this to the Post Master, he just gave a smile.

      June 27, 2017 at 1:49 pm

      As I could not submit salary certificates/Bank guarantee/Solvency certificates of sureties who have executed the indemnity bond for duplicate issue of my lost NSCs,
      it seems to me that my hard earned money of Rs.25,000/= has already been forfeited for old and irrational rules of PO for the purpose. Therefore, this rule should be amended as the payment to be made through account payee cheque or by credit to holder(s) account, on this basic idea banks have been issuing duplicate TD Receipts obtaining only an application along with an FIR copy for lost of Deposit Certificate/Book.

      • Sheeja anil
        March 20, 2018 at 7:06 pm

        I’m also agreeing with your suggestion. Because I’m also facing the same problem which you are facing now.

    • Ushma
      July 27, 2018 at 4:35 pm

      Hello Sir. Am facing the same issue, with Fort GPO (Mumbai). Were you able to find a solution?

  5. Mahesh Nirbhay
    May 24, 2016 at 12:02 pm

    I Mahesh Nirbhay purchased 3 Nsc 8 years back, now these Nsc already been matured but now I don’t have any details like date of issue, s. No. But i remember only that these Nsc were issued by Krishna Nagar post office through some agent Mr. Chaddha. Please help me. Thanks.

  6. April 20, 2015 at 9:45 am

    I have lost the NSCs and further do not have the details like date of purchase, serial number etc.
    I have the PAN number only.
    The NSCs have however matured atlest 2 years ago.
    Is it possible to find these details so that the same be got encashed after completing of formalities of establishing the identity etc.

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