Back to Calculators
NSC Calculator
Calculate returns on your National Savings Certificate (NSC) investments
Calculate Your Returns
₹
%
Yr
Maturity amount
₹1,44,903
Estimated returns
₹44,903
Investment amount
₹1,00,000
NSC Growth Over Time
Principal
₹1,00,000
Total Interest
₹44,903
Returns Breakdown
Investment Amount₹1,00,000
Interest Rate (p.a)7.70%
Maturity Period5 years
Annual Interest (Average)₹8,981
Total Returns₹44,903
Return Percentage44.90%
Maturity Amount₹1,44,903
Tax Impact
Taxable Interest (5th Year)₹8,981
Tax on Interest (30% slab)₹2,694
Post-Tax Returns₹42,209
Post-Tax Maturity₹1,42,209
NSC Benefits & Features
Tax Benefits:
- • Section 80C: Principal investment eligible for deduction (up to ₹1.5 lakh)
- • Interest Reinvestment: Interest earned in first 4 years qualifies for 80C deduction
- • 5th Year Interest: Only the 5th year interest is taxable
- • No TDS: No Tax Deducted at Source on NSC payouts
Key Features:
- • Investment Range: Minimum ₹1,000 (multiples of ₹100), no maximum limit
- • Maturity Period: Fixed 5 years (no premature withdrawal allowed)
- • Interest Rate: Currently 7.7% p.a (reviewed quarterly by Ministry of Finance)
- • Compounding: Annual compounding, interest paid at maturity
- • Government-Backed: Zero-risk investment guaranteed by Government of India
Important Notes:
- • Available at all post offices and authorized banks
- • Can be used as collateral for loans
- • Nomination facility available
- • Interest rate is reviewed and announced quarterly
- • Interest is reinvested automatically (compounded annually)
- • Maturity amount is paid at the end of 5 years
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.