NSC Calculator: National Savings Certificate Maturity

NSC is a safe, government-backed savings option with a tax benefit. This calculator shows its maturity value.

What is it?

The National Savings Certificate is a 5-year fixed-income scheme from the post office. Interest compounds annually and is reinvested.

How is it calculated?

Maturity = P × (1 + r)⁵, where P is the amount invested and r is the annual rate (currently around 7.7%).

Example

₹1 lakh in NSC at 7.7% matures to roughly ₹1.45 lakh after 5 years.

Key things to know

• Investment qualifies for 80C up to ₹1.5 lakh (old regime).
• Reinvested interest also counts toward 80C in interim years.
• There’s a 5-year lock-in.
• Rates are set by the government and reviewed quarterly.

What to do next

NSC can be bought at any post office.

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Frequently asked questions

Is NSC safe?
Yes, it’s backed by the government.

Is the interest taxable?
Yes, though reinvested interest gets 80C benefit in interim years.

Can I exit early?
Only in limited situations like the holder’s death.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.