NSC Calculator
Calculate maturity value of your National Savings Certificate investment.
Investment Details
₹
Minimum ₹1,000. No upper limit.
%
Current rate: 7.7% (Q1 FY25)
Years
Fixed 5-year lock-in
About NSC
NSC is a fixed-income scheme. Interest is compounded annually but paid only at maturity. Eligible for 80C deduction.
Maturity Value
₹ 0
After 5 years on your investment of ₹ 1,00,000.
Principal Invested
1 L
Total Interest Earned
0
Effective CAGR
0%
Value Growth Over Time
Year-by-Year Breakdown
| Year | Principal | Interest Accrued | Total Value |
|---|
Documentation
How NSC Works
Key Features
- Fixed 5-year tenure
- Interest compounded annually
- Interest paid only at maturity
- Minimum investment: ₹1,000
- No maximum limit
Tax Benefits
A = P × (1 + r)n
₹ 0 = ₹ 1,00,000 × (1 + 7.7%)5
- Investment qualifies for 80C deduction
- Interest earned for years 1-4 is reinvested (deductible under 80C)
- Only Year 5 interest is taxable in full
- Can be pledged as collateral for loans
Last Updated: January 2026
Disclaimer: Interest rates are subject to quarterly revision by the government. The calculator assumes a constant rate throughout the tenure.