- Invested amount
- Total interest
- Invested amount
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- Total interest
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- Maturity value
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Figures are estimates for planning only, not investment or tax advice.
The National Savings Certificate is a five-year fixed-return post office scheme. Interest compounds annually and is paid entirely at maturity. This calculator shows what a given investment matures to.
The 80C twist
The investment qualifies under Section 80C. So does the interest for the first four years, because it is deemed reinvested — only the fifth year’s interest is taxable without a corresponding deduction. That makes the effective post-tax return better than the headline rate suggests for anyone not already exhausting their 80C limit.
The formula
Maturity = P × (1 + r)5. At 7.7%, ₹1,00,000 matures to about ₹1,44,903.
Frequently asked questions
Is there a maximum investment?
No upper limit, though only ₹1.5 lakh a year qualifies for the 80C deduction.
Can NSC be withdrawn early?
Only in narrow cases — the holder’s death, forfeiture by a pledgee, or a court order.
Is the interest rate fixed?
The rate at the time of purchase applies for the full five years, even if rates change later.