NSC Calculator
Calculate maturity amount and interest on National Savings Certificates.
Results
Principal
₹1.00 L
Interest rate
7.7% p.a.
Total interest earned
₹44.9K
Maturity amount (after 5 years)
₹1.45 L
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What is National Savings Certificate (NSC)?
National Savings Certificate (NSC) is a fixed-income investment scheme offered by India Post. It has a fixed 5-year tenure and currently offers 7.7% interest per annum, compounded annually. The interest is reinvested automatically and paid out along with the principal at maturity — there are no periodic interest payouts.
NSC is one of the few fully government-backed investments that qualifies for Section 80C tax deduction (up to ₹1.5 lakh per year). The interest accrued each year (except the last) is deemed to be reinvested and also qualifies for 80C deduction. However, the interest is taxable as income — it is not an EEE scheme like PPF.
NSC certificates are available at all post offices in denominations starting from ₹1,000. There is no upper limit on investment, though the 80C deduction is capped at ₹1.5 lakh. NSC can also be used as collateral for bank loans.