NSC Calculator: National Savings Certificate Maturity and Interest
Enter the amount you will invest in NSC. You see the maturity after 5 years and the interest accrued each year.
- Nothing you type is stored
- Free
- No signup
Maturity value
₹1,44,903
- Total interest
- ₹44,903
- In words
- 1.45 lakh
- Interest of years 1–4 (80C)
- ₹34,544
7.7% compounded yearly, paid at the end of 5 years. The rate on your purchase date stays fixed (7.7% for Oct–Dec 2026).
Year by year
| Year | Interest | Balance |
|---|---|---|
| 1 | ₹7,700 | ₹1,07,700 |
| 2 | ₹8,293 | ₹1,15,993 |
| 3 | ₹8,931 | ₹1,24,924 |
| 4 | ₹9,619 | ₹1,34,544 |
| 5 | ₹10,360 | ₹1,44,903 |
How to use
- Enter the amount: at least ₹1,000, in multiples of ₹100.
- Keep the 7.7% rate or enter the rate on your purchase date.
- Read the maturity value and the yearly interest table.
Good to know
NSC (VIII issue) from the Post Office pays 7.7% a year for October–December 2026, compounded yearly and paid only at maturity after 5 years. The rate on the day you buy stays fixed for the full 5 years. ₹1,000 grows to about ₹1,449.
Under the old tax regime the investment qualifies for the ₹1.5 lakh deduction (80C). The interest is taxable, but the interest for years 1 to 4 is treated as reinvested and also qualifies for the deduction; the 5th year's interest is taxed in the year of maturity.
There is no upper limit. Early encashment is allowed only in special cases such as the death of the holder or a court order. NSC can be pledged as security for a loan.
Questions
What is the current NSC interest rate?
7.7% a year, compounded yearly, for certificates bought from October to December 2026.
What is the maturity value of ₹1 lakh in NSC?
About ₹1,44,903 after 5 years at 7.7%.
Is NSC interest taxable?
Yes. Interest for the first four years is deemed reinvested and can be claimed under the old regime's ₹1.5 lakh deduction; you still declare it as income.
Can I withdraw NSC before 5 years?
Only in special cases, such as the holder's death, forfeiture by a pledgee or a court order.
Is my data stored?
No. Everything is calculated on your device.