What is it?
The NSC Calculator shows the Maturity value after 5 years and the Interest earned on a National Savings Certificate.
Who is it for?
Conservative savers wanting a fixed 5-year return and tax saving under the old regime.
How to use it
Enter the Amount invested (from ₹1,000) and the Interest rate. The rate is fixed for the whole 5 years once you buy. The answer appears as you type; there is no Calculate button. Tap Copy result to copy it, or Share on WhatsApp to send it.
How NSC works
- Interest is compounded yearly and paid at maturity. There is no regular payout.
- There is no upper limit on investment, but the 80C deduction is capped at ₹1.5 lakh a year in total (old regime).
- Premature closure is allowed only in special cases, such as the holder’s death or a court order.
Tax
The investment counts under Section 80C (old regime), and the yearly interest of the first four years is treated as reinvested, so it can also be claimed under 80C. The interest is taxable: declare it each year (or all at maturity, depending on how you report). The last year’s interest is taxable and not reinvested.
Good to know
NSC can be pledged as security for a bank loan. Buy it at a post office, or online through India Post’s internet banking.
Check the current rate
Small savings rates are set by the Government of India every quarter. The calculator starts with the rate shown on it; check the latest rate on the India Post website or at your post office or bank before investing, and type it in.
This is an estimate to help you plan, not financial or tax advice. Read the scheme or policy documents, and ask a qualified adviser for big decisions.
Errors and how to fix them
- Below ₹1,000: NSC starts from ₹1,000.
Open the tool: NSC Calculator
Still stuck?
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Questions, or an error not listed here?
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