NSC Calculator – National Savings Certificate Returns

National Savings Certificate (NSC) Calculator

Calculate maturity value, interest earned, and tax benefits for your NSC investment

📊 Community Statistics

12,847 Calculations This Month
₹14,200 Average Tax Saved

Last official rate: 7.7% p.a. Source: NSI India

Rate last updated on April 1, 2025

Disclaimer: Always confirm current rate (rates revised quarterly). Check latest rates on NSI website.
₹1,00,000
Minimum investment ₹1,000 as per official guidelines
7.7%
Current official rate: 7.7% (Quarterly revision)
5 Years
NSC has a lock-in period of 5 years
Interest is compounded annually and paid at maturity

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❓ Interactive NSC Guide

What is National Savings Certificate (NSC)?+
NSC is a fixed income investment scheme by Government of India. It has a 5-year lock-in period with annual compounding interest. The interest is taxable but qualifies for tax benefits under Section 80C.[file:1]
How is NSC interest taxed?+
Interest is taxable on accrual basis each year, even though it’s paid at maturity. You need to declare accrued interest as income in your annual tax return. The principal investment qualifies for deduction under Section 80C.[file:1]
Can I withdraw NSC before maturity?+
Premature withdrawal is allowed only in specific cases (death of holder, court order, or forfeiture by pledgee). Normal premature withdrawal is not permitted, making NSC suitable for long-term goals.[file:1]
NSI India – Official Rates India Post – NSC Details Income Tax Calculator
Legal Tax Disclaimer: This calculator is for illustrative purposes only. NSC has a lock-in period of 5 years with annual compounding. Interest is taxable each year on accrual basis, though paid at maturity. For exact tax treatment or changes in rules, consult Income Tax Department or a tax advisor. Investment decisions should be based on official notifications.[file:1]
nsc calculator

How To Use NSC Calculator

It’s a free online tool that helps you see how much your money will grow in National Savings Certificate after 5 years. The current interest rate is 7.7% and it’s fixed for now. Here’s how to do it step by step:

  1. First, look at the investment amount box – it starts with ₹1,00,000 by default, but you can change it to whatever you want, minimum ₹1,000.
  2. Next, check the interest rate – it’s already set to 7.7% p.a., which is the latest government rate.
  3. Tenure is locked at 5 years, as that’s how NSC works.
  4. Just click the “Calculate Returns” button, and boom – it shows you the maturity value, total interest earned, and even tax benefits ideas.
  5. If you want to try different amounts, hit the “Reset” button and start again.

NSC in Post Office

The National Savings Certificate (NSC) is a popular savings scheme offered by the Indian Post Office and backed by the Government of India. You can buy NSC from any post office across the country, whether you live in a city or a village. It is a safe option for people who want guaranteed returns without taking risk. After investing, many people use an nsc calculator to check how much money they will receive after the 5-year lock-in period. NSC is trusted because the government controls the interest and repayment.

What Is NSC Scheme

The NSC scheme is a government-backed savings scheme meant for small and medium investors in India. It comes with a fixed tenure of 5 years and offers guaranteed returns. People prefer NSC because it is safe, simple, and gives tax benefits under Section 80C. Before investing, many users check expected returns using an nsc calculator so they clearly know the maturity amount in advance.

How to Buy NSC

Buying NSC is very simple. You can visit your nearest post office, carry your Aadhaar card, PAN card, and a passport-size photo, and fill out a basic form. You can invest starting from ₹1,000 with no maximum limit. Once you buy NSC, you can use an nsc calculator to track how your investment will grow till maturity. Some banks also allow NSC purchase through linked post office services.

How to Calculate NSC Interest With NSC Calculator

NSC interest is calculated using compound interest, where interest is added every year. Instead of calculating manually, you can use an nsc calculator to find the total interest earned over 5 years. Just enter your investment amount and the applicable interest rate, and the calculator will instantly show how much interest you earn. This makes interest calculation easy even for first-time investors.

NSC interest rate

NSC Savings Calculator

An nsc calculator is an online tool that helps you quickly calculate your NSC returns without doing any manual maths. You only need to enter the investment amount and the calculator shows the interest earned and maturity value after 5 years. This NSC savings calculator is useful for planning future goals like children’s education or tax saving. It gives instant and accurate results, making it easier for common people to understand their savings growth.

NSC Interest Rate

The NSC interest rate is fixed by the Government of India and is revised every quarter. Currently, the NSC interest rate is around 7.7% per annum, compounded yearly and paid at maturity. Since the rate can change, it is always better to check the latest rate before investing. You can enter the current interest rate in an nsc calculator to see how the returns change with different rates and amounts.

NSC Tax Benefits Under Section 80C

NSC offers attractive tax benefits under Section 80C of the Income Tax Act. You can claim a deduction of up to ₹1.5 lakh on the amount invested in NSC. The interest earned in the first four years is also considered reinvested and qualifies for tax deduction. To understand total returns after tax, many investors use an nsc calculator while planning their yearly tax savings.

How to Calculate NSC 5-Year Maturity

NSC has a fixed maturity period of 5 years. To calculate the maturity amount, you need to apply compound interest on your investment every year. The easiest way is to use an nsc calculator, which shows the final amount you will receive after 5 years along with total interest earned. This helps you plan your finances clearly and avoid confusion about future returns.

FAQs

1. What is NSC?

The National Savings Certificate (NSC) is a government-backed savings scheme available at post offices across India, designed for secure, fixed-income investments. It offers a 5-year tenure with compounded interest, making it ideal for small to medium investors seeking tax benefits under Section 80C. To estimate your NSC returns, you can use an online NSC calculator for quick projections based on current NSC interest rates.

2. What is the current NSC interest rate?

As of December 2025, the NSC interest rate stands at 7.7% per annum, compounded annually but payable at maturity. This rate is reviewed quarterly by the Government of India and applies to NSC in post office schemes. For accurate NSC returns, input your investment amount into an NSC calculator to see how the interest accrues over 5 years.

3. What are the tax benefits of NSC?

Investments in NSC qualify for deductions up to ₹1.5 lakh under Section 80C of the Income Tax Act. The interest earned is reinvested and also eligible for tax deductions in the first four years, though the final year’s interest is taxable as per your slab. No TDS is deducted on NSC returns, making it a popular choice for tax planning. Use an NSC calculator to factor in these tax savings when computing your overall gains.

4. What is the minimum investment for NSC?

The minimum investment for NSC is ₹1,000, with no upper limit, and you can invest in multiples of ₹100 thereafter. This low entry point makes NSC in post office accessible for residents in all Indian states. To optimize your NSC returns, try an NSC savings calculator to simulate different investment amounts and see the maturity value.

5. What is the maturity period of NSC?

NSC has a fixed maturity period of 5 years, during which your investment grows through annual compounding. Premature withdrawal is allowed only in exceptional cases like the investor’s death. For planning, an NSC calculator can help visualize NSC returns at maturity based on prevailing NSC interest rates.

6. Can NSC be withdrawn prematurely?

Generally, NSC cannot be withdrawn before the 5-year maturity, except in cases of the holder’s death, forfeiture by a gazetted officer, or court order. This lock-in ensures steady growth. If you’re evaluating options, use an NSC calculator to compare potential NSC returns against other schemes available at post offices.

7. Who is eligible to invest in NSC?

Any resident Indian citizen, including adults, guardians for minors, or joint holders (up to three), can invest in NSC. Non-resident Indians (NRIs), HUFs, and trusts are not eligible. NSC in post office is widely searched in states like Gujarat and West Bengal for its simplicity. To assess suitability, an NSC savings calculator can project your personalized NSC interest rates and returns

8. How to purchase NSC?

You can buy NSC at any post office in India by filling out Form A, providing ID proof (like Aadhaar or PAN), and paying via cash, cheque, or electronic transfer. Digital certificates are also available. This process is uniform across states. Once invested, track your NSC returns using an online NSC calculator for ongoing insights.

9. Is interest on NSC taxable?

Yes, NSC interest is taxable under ‘Income from Other Sources,’ but it is added back as reinvestment for Section 80C deductions in the first four years. The fifth year’s interest is fully taxable without deduction. No TDS applies, boosting net NSC returns. For precise calculations, rely on an NSC calculator that incorporates current NSC interest rates.

10. How to calculate NSC returns?

NSC returns are calculated using the formula for compound interest: Maturity Amount = Principal × (1 + Rate/100)^Tenure. With a 7.7% rate over 5 years, a ₹1,000 investment grows to about ₹1,448. Use a reliable NSC savings calculator or NSC calculator tool online to input variables like investment amount and NSC interest rates for instant, accurate projections tailored to your needs.