NSC Calculator
Calculate the maturity value and interest on a National Savings Certificate (NSC) — a 5-year scheme with annually compounded interest.
About this calculator
An NSC calculator shows the maturity value of a National Savings Certificate — a government-backed 5-year savings scheme available at post offices. Enter your investment and the current interest rate to see what it grows to.
How it works
NSC interest is compounded annually and paid at maturity: Maturity = P × (1 + r)⁵. Investing ₹1,00,000 at 7.7% grows to about ₹1,44,903 after 5 years.
Why use this NSC calculator
Maturity over the 5-year term
National Savings Certificate interest compounds annually and is paid at maturity; the tool projects the exact amount you'll receive.
80C benefit in view
NSC investments qualify under section 80C, and the reinvested annual interest also counts — a nuance the calculation makes concrete.
Fixed and predictable
Because the rate is locked for the term, the maturity value is certain, which the tool shows clearly for planning.
Common use cases
- Plan a safe 5-year 80C investment at the post office
- Compare NSC against a tax-saver FD or PPF
- Know the exact maturity amount before investing
- Estimate the reinvested-interest deduction each year
Frequently asked questions
NSC interest is compounded annually and paid at maturity: Maturity = P × (1 + r)^5, where P is the investment, r the annual rate and 5 the fixed tenure in years.
NSC (National Savings Certificate) has a fixed lock-in of 5 years. Interest accrues annually and is paid out along with the principal at the end.
The interest is taxable, but because it's reinvested each year (except the final year), that reinvested interest also qualifies for a Section 80C deduction. The final year's interest is fully taxable.
The government revises the NSC rate each quarter (recently around 7.7%). Enter the current notified rate for an accurate maturity figure.
Yes. The calculation runs in your browser and nothing you enter is stored.
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