NSC Calculator - National Savings Certificate
Calculate the maturity value of a National Savings Certificate investment with annual compounding over its 5-year term.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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NSC calculator - how to use this tool
Calculate illustrative returns under the National Savings Certificate scheme.
The National Savings Certificate (NSC) calculator estimates the 5-year maturity value of this post office instrument. The deposit qualifies for 80C and interest compounds annually but is paid at maturity-check the latest quarterly notified rate before investing.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
What is the tenure of NSC?
National Savings Certificate has a 5-year term. Interest accrues annually but is paid only at maturity.
Does NSC give tax benefits?
The deposit qualifies under Section 80C (old regime) within the ₹1.5 lakh limit, and accrued interest for the first four years is treated as reinvested for 80C purposes-but the interest itself is taxable on accrual. Confirm the treatment with your CA.
What is the current NSC interest rate?
Small-savings rates, including NSC, are reviewed by the government every quarter-check the latest notified rate before investing.
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