NSC Calculator

NSC's current tenure is fixed at 5 years — the slider lets you compare "what if" tenures, but only 5 years reflects what's actually on offer today. Interest compounds annually and is paid out in full at maturity.

Tax: the post-tax figure above is the straightforward case — all interest taxed at your slab. In practice NSC can do better in the old regime: interest accrued in years 1-4 is deemed reinvested and qualifies for a fresh 80C deduction each of those years (within the ₹1.5L limit), so if you declare interest annually and have 80C headroom, effectively only the final year's interest is taxed. The initial investment itself is 80C-eligible too. In the new regime there is no 80C, so the full interest is taxed at slab. The post office deducts no TDS on NSC — the interest is still taxable; declare it in your return.