NSC Calculator India - National Savings Certificate Interest & Maturity Calculator

It estimates the maturity amount and interest earned on your National Savings Certificate (NSC) from the deposit amount, tenure, and applicable interest rate, helping you plan stable savings growth in ₹ under the government-backed scheme rules. It's an estimate — actual maturity depends on the official NSC rate and terms on your purchase date.

The maturity amount depends on the NSC interest rate applicable when you buy the certificate — interest compounds annually per the scheme rules, so the value is predictable once the rate is locked in. Enter your amount above to see the projected maturity at the current rate.

NSC investment qualifies for a Section 80C deduction (within the overall ₹1.5L annual limit). The interest itself is taxable each year, but interest accrued in years 1-4 is treated as deemed reinvestment and can also be claimed under 80C, subject to the overall limit; the final year's interest has no further 80C benefit.

NSC has limited premature closure options, typically only under specific conditions such as a court order or the death of the holder. It's not designed for short-term liquidity — confirm the current rules with your post office before investing.

No. The rate notified in the quarter you purchase the NSC is locked in for the full 5-year term, even if the Government revises the small-savings rate afterward. This differs from PPF, where the rate applies to the balance each year and moves with quarterly revisions.