NSC Calculator (National Savings Certificate)
Enter the amount invested to see the NSC maturity value after 5 years.
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NSC Calculator (National Savings Certificate) by TheCalcTools
How the NSC Calculator (National Savings Certificate) works
NSC interest is compounded yearly and paid at maturity after 5 years. The rate on the day you buy is fixed for the whole term.
In the old tax regime the investment qualifies for section 80C, and the yearly accrued interest for the first four years is treated as reinvested, so it can also be claimed under 80C.
The formula
Worked example
Using the default values shown in the calculator:
| Amount invested (minimum ₹1,000) | ₹100000 |
|---|---|
| Interest rate | 7.7 % |
- ₹1,00,000 at 7.7% for 5 years matures at ₹1,44,903.
- Interest: ₹44,903.
Result:
| Maturity value after 5 years | ₹1,44,903 |
|---|---|
| Total interest | ₹44,903 |
| Interest in year 1 (deemed reinvested) | ₹7,700 |
| Interest accrued in the first 4 years | ₹34,544 |
Frequently asked questions
What does ₹1 lakh in NSC give after 5 years?
About ₹1,44,903 at 7.7%.
Sources and further reading
- National Savings Institute (India): Small savings schemes
- Ministry of Finance (India): small savings rates for October-December 2026 kept unchanged (PPF 7.1%, SSY 8.2%, NSC 7.7%)
- Wikipedia: National Savings Certificate
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This calculator gives estimates for information only. It is not financial advice, and your lender's or provider's figures will govern. Rates, fees and rules vary. See our disclaimer.