NSC Calculator
Calculate National Savings Certificate returns. Government-backed safe investment with tax benefits under Section 80C.
Current NSC Interest Rate: 7.7% p.a. | Tenure: 5 Years
Compounded annually, paid at maturity
NSC Investment Calculator
Minimum: ₹100 | No maximum limit
7.7% p.a.
Compounded Annually
5 Years
Fixed Tenure
Year-wise Interest Accrual
| Year | Opening | Interest | Closing | 80C Benefit |
|---|---|---|---|---|
| Year 1 | ₹1.50 L | +₹11.55 K | ₹1.62 L | ₹11.55 K |
| Year 2 | ₹1.62 L | +₹12.44 K | ₹1.74 L | ₹12.44 K |
| Year 3 | ₹1.74 L | +₹13.40 K | ₹1.87 L | ₹13.40 K |
| Year 4 | ₹1.87 L | +₹14.43 K | ₹2.02 L | ₹14.43 K |
| Year 5 | ₹2.02 L | +₹15.54 K | ₹2.17 L | - |
NSC Returns
₹1.50 L
Investment
₹67.36 K
Interest Earned
₹2.17 L
Maturity Value
₹2.02 L
Total 80C Benefit
NSC Key Features
Government Backed
100% safe investment backed by Government of India. Zero risk of default.
Double Tax Benefit
Initial investment + reinvested interest (years 1-4) qualify for 80C deduction.
Easy Access
Available at any Post Office. Can be pledged as collateral for loans.
Frequently Asked Questions
Understanding NSC
National Savings Certificate (NSC) is a fixed income investment scheme offered by the Government of India through Post Offices. It's one of the safest investment options with guaranteed returns and tax benefits.
Who Should Invest in NSC?
- Risk-averse investors looking for guaranteed returns
- Those seeking tax-saving investments under Section 80C
- Individuals with medium-term investment horizon (5 years)
- Senior citizens looking for safe fixed income
NSC vs Other Investments
- vs FD: Similar safety, better tax benefits with 80C deduction
- vs PPF: Shorter lock-in (5 vs 15 years), slightly lower rate
- vs ELSS: Lower returns but zero risk compared to market-linked