Since 2016, NSCs have been issued in electronic or passbook form, so there is no paper certificate to lose. If you lose an NSC passbook, ask the post office or bank where the NSC is held for a duplicate passbook. The rules below are for old paper certificates, all of which have now matured but may not have been encashed yet.
If a paper National Savings Certificate (NSC) is lost, stolen, destroyed, mutilated or defaced, the person entitled to it can apply for a duplicate. Apply at the post office where the certificate is registered, or at any other post office, which will forward the application to the post office of registration.
With the application, give a statement of the certificate's number, amount and date, and explain how it was lost, stolen, destroyed, mutilated or defaced.
If the officer in charge of the post office of registration is satisfied that the certificate has been lost, stolen, destroyed, mutilated or defaced, they will issue a duplicate once you give an indemnity bond in the prescribed form, backed by one or more approved sureties or a bank guarantee.
If the face value of the lost, stolen, destroyed, mutilated or defaced certificate (or certificates, taken together) is Rs. 500 or less, you only need to give the indemnity bond. No surety or guarantee is required.
For a mutilated or defaced certificate of any face value, you don't need an indemnity bond, surety or guarantee, as long as you surrender the damaged certificate and it can still be identified as the one originally issued.
A duplicate National Savings Certificate (NSC) counts as the original National Savings Certificate (NSC) for all purposes under these rules, with one exception: you can't encash it at a post office other than the one where it is registered without prior verification.