NSC Calculator
What will my National Savings Certificate be worth after 5 years?
A National Savings Certificate (NSC) is a 5-year post office deposit. The interest is added to it every year and paid with the deposit at the end, and the rate on the day you buy it stays fixed for the whole term.
At least Rs 1,000, in multiples of Rs 100. No upper limit.
7.7% for October to December 2026, set by the Ministry of Finance. Fixed for 5 years once bought.
Maturity value after 5 years
₹1,44,903
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
How It's Calculated
Maturity = amount × (1 + rate)⁵
Interest is compounded once a year for 5 years and paid with the deposit at the end.
Worked Example
If you enter
- Amount invested₹1,00,000
- Interest rate7.7 % p.a.
You get
- Maturity value after 5 years₹1,44,903
- You invest₹1,00,000
- Interest earned₹44,903
These are the calculator's starting values. Change them above to see your own.
Common Questions
How is NSC interest calculated?
It is compounded once a year and paid only at maturity, which is how the National Savings Institute works out its own maturity table. The calculator above uses the same method.
Is NSC interest taxable?
Yes, at your slab rate. The deposit qualifies for the Section 80C deduction under the old regime, and the interest of the first four years, being reinvested, also counts towards 80C in those years.
Can I close an NSC early?
Only in specific cases: the holder's death, a court order, or forfeiture by a pledgee. Otherwise it runs the full 5 years.
Guides in Plain Words
Short reads that explain how it works before you decide.
