NSC Calculator

Plan your savings with our National Savings Certificate calculator. Estimate returns for secure, government-backed investments.

Accurate return projections
Annual compounding
Visual growth charts
National Savings Certificate savings
₹
Enter principal amount (₹1,000 - ₹50,00,000).
Enter principal amount (minimum ₹1,000, no upper limit).
Years
NSC tenure is fixed at 5 years.
%
Enter interest rate between 1-15%.
Default is 7.7% (current NSC rate). Adjust for projections.

Estimated Returns

Invested Amount
₹0
Est. Interest
₹0
Maturity Value
₹0
Annualized Return
0%
How NSC Works
Purchase Certificates

Invest a lump sum at a post office or authorized bank.

Earn Interest

Interest is compounded annually at a fixed rate.

Maturity

Receive principal plus interest after 5 years.

Year Invested (₹) Interest (₹) Maturity Value (₹) CAGR (%)

What is a National Savings Certificate?

The National Savings Certificate (NSC) is a government-backed savings scheme offered by India Post, designed to encourage small to medium savings with guaranteed returns. It has a fixed tenure of 5 years and offers annual compounding at a fixed interest rate.

NSCs are ideal for risk-averse investors seeking tax benefits under Section 80C (up to ₹1.5 lakh annually) and secure returns. Available at post offices, NSCs can be purchased in denominations starting from ₹1,000.

Did You Know?

Investing ₹1,00,000 in NSC at 7.7% for 5 years can grow to approximately ₹1,44,900!

Benefits of NSC

NSCs offer fixed interest rates backed by the Government of India, ensuring safe returns.

Investments qualify for tax deductions under Section 80C up to ₹1.5 lakh per year.

Interest is compounded annually, boosting returns over the 5-year tenure.

As a government scheme, NSCs are a secure investment with no market risk.

Frequently Asked Questions

The NSC calculator uses the compound interest formula to estimate the maturity value based on the principal amount, fixed 5-year tenure, and interest rate, with annual compounding. It adjusts for inflation if selected.

Indian residents (individuals, guardians for minors, or joint holders) can invest in NSC. NRIs and HUFs are not eligible.

NSC interest is taxable as per the investor’s income tax slab but qualifies for Section 80C deduction. No TDS is deducted.

Premature withdrawal is allowed only in exceptional cases (e.g., death of holder or court order) after 1 year, with no interest if withdrawn before 1 year.

Interest earned is reinvested and qualifies for Section 80C deduction for the first 4 years. The final year’s interest is taxable but not deductible.