NSC Calculator
National Savings Certificate — calculate maturity for the 5-year fixed term.
Current NSC rate: 7.7% p.a. · Term: 5 years (compounded annually)
NSI / Min. of Finance · verified 2026-06-30
₹1,44,903
Invested
₹1,00,000
Interest
₹44,903
How the NSC Calculator works
The National Savings Certificate (NSC) is a government-backed fixed-income scheme with a 5-year term. This calculator shows your maturity amount, using annual compounding at the current NSC rate.
NSC deposits qualify for 80C deduction, and the interest (except the final year) is deemed reinvested and also eligible under 80C.
NSC maturity
Maturity = P × (1 + r)⁵
P = investment, r = annual rate, 5-year term.
Frequently asked questions
What is the NSC interest rate?+
Set quarterly by the government; the live rate and verified date are shown on the calculator. Interest compounds annually and is paid at maturity.
Does NSC give tax benefits?+
Yes — the investment qualifies under Section 80C (up to ₹1.5 lakh), and reinvested interest also counts under 80C in most years.
Can I withdraw NSC early?+
Generally no — NSC has a 5-year lock-in, with premature withdrawal allowed only in special cases like the holder's death.