NSC calculator
Project your National Savings Certificate. Enter the amount and rate to see the maturity value and interest, compounded annually over the 5-year term — government-guaranteed and 80C-eligible.
Details
Tweak the numbers - results update live
₹1L
Principal
amount invested
₹44.9K
Interest
earned
1.45×
Growth
value ÷ principal
How it grows
Principal vs total value, year by year
Principal vs interest
What you put in vs what it earns
- Principal₹1L
- Interest₹44.9K
Total value
₹1,44,903
Safe & compounding
Five years, guaranteed
NSC is a no-frills government certificate: lock in a lump sum for five years, let the interest compound annually, and collect principal plus interest at the end — with a Section 80C deduction on the way in.
- 1
Invest a lump sum
Buy NSC at a post office for any amount above ₹1,000.
- 2
Compound annually
Interest is reinvested each year at the notified rate.
- 3
Claim 80C
The investment is deductible up to ₹1.5 lakh under the old regime.
- 4
Collect at maturity
Principal and all interest are paid together after five years.
Questions
Frequently asked
The National Savings Certificate (NSC) is a government-backed, fixed-income savings scheme with a 5-year lock-in, sold at post offices. You invest a lump sum; interest is compounded annually at the notified rate (currently around 7.7%) and paid out together with the principal at maturity. The capital is fully guaranteed.
NSC compounds annually: maturity = principal × (1 + rate)^5. At 7.7%, ₹1,00,000 grows to about ₹1,44,903 in five years. Because the interest is reinvested rather than paid out, the effective return is higher than a scheme that pays interest annually.
The amount invested qualifies for a Section 80C deduction up to ₹1.5 lakh (old regime). The interest earned each year is taxable, but since it’s reinvested, it’s also treated as a fresh 80C investment for the first four years — only the final year’s interest is taxable without a corresponding deduction.
Both have a 5-year lock-in and 80C benefit. NSC rates are set by the government and often competitive, with the interest reinvested for compounding. Tax-saving FD rates vary by bank. NSC also has the sovereign guarantee. Compare the maturity here against our FD calculator at the same rate.
Premature withdrawal is generally not allowed except in specific cases such as the holder’s death, forfeiture by a pledgee, or a court order. NSC is designed to be held for the full 5-year term, so invest only money you won’t need before then.