NSC Calculator — Calculate Returns on 5-Year NSC Investment
Calculate returns on National Savings Certificate at current 7.7% interest rate. See maturity value and tax benefits under Section 80C.
National Savings Certificate is a government-backed savings instrument with guaranteed 7.7% interest compounded annually over a 5-year term. NSC qualifies for Section 80C deduction making it a popular tax-saving option. Interest earned in years 1-4 is reinvested and also qualifies for 80C deduction making it unique among tax-saving investments. Only the final year interest is taxable.
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Key Information
| Parameter | Details |
|---|---|
| Interest Rate (2026) | 7.7% compounded annually |
| Maturity Period | 5 years |
| Minimum Investment | Rs 1000 |
| Section 80C Benefit | Investment + accrued interest (Years 1-4) |
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Use Calculator NowFrequently Asked Questions
How much does NSC give on Rs 1 lakh?
Rs 1 lakh invested in NSC at 7.7% for 5 years: Year 1 interest Rs 7700. Year 2: Rs 8293. Year 3: Rs 8932. Year 4: Rs 9620. Year 5: Rs 10360. Maturity value: approximately Rs 1.44 lakh. Total interest earned: Rs 44905 on Rs 1 lakh investment over 5 years.
Is NSC better than FD for tax saving?
NSC at 7.7% vs 5-year tax-saving FD at 7%: on Rs 1.5 lakh investment NSC gives Rs 68000 interest versus FD Rs 63000. NSC gives Rs 5000 more. Additionally NSC years 1-4 interest qualifies for 80C deduction (unique benefit). However FD offers premature withdrawal with penalty while NSC is locked for 5 years.
Can NRIs invest in NSC?
NRIs cannot purchase new NSC. However NSC purchased while the person was a resident Indian continues until maturity. NRIs can hold existing NSC but cannot reinvest matured amounts. Returning NRIs (becoming residents again) can purchase new NSC from any post office.
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Last updated: March 2026