NSC Calculator (National Savings Certificate)
NSC (VIII issue) pays 7.7% compounded annually and returns everything at maturity after 5 years.
A ₹10,000 certificate matures at ₹14,490 at the October–December 2026 rate.
How to use the NSC Calculator
- Enter the amount invested (minimum ₹1,000, no upper limit).
- Keep the rate at 7.7% or enter the rate locked in when you bought the certificate.
- See the maturity value and the interest accrued each year.
Examples
₹10,000 in NSC
Input: ₹10,000 @ 7.7%
Result: Maturity ₹14,490 after 5 years
Frequently asked questions
Does the NSC rate change during the 5 years?
No. The rate on the date you invest is fixed for the life of that certificate, even if new certificates later get a different rate.
Is NSC interest taxable?
Yes, interest is taxable. Under the old regime, the deposit and the interest accrued in years 1–4 (deemed reinvested) can be claimed under the ₹1.5 lakh limit for tax-saving investments.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.