NSC Calculator
Calculate the maturity value of a National Savings Certificate.
Your inputs
NSC has a fixed 5-year tenure and compounds annually. Interest is taxable but deemed reinvested each year (except the final year).
Estimates only. Figures are indicative and do not constitute financial advice.
About the NSC Calculator
"NSC calculator," "post office NSC calculator," or "National Savings Certificate calculator" is searched by savers considering this government-backed, fixed-tenure instrument available at any post office counter, popular for its guaranteed returns and Section 80C tax benefit under the old regime. "NSC interest rate today" and "how much will 1 lakh in NSC become" are both really asking for the same maturity figure this calculator gives instantly.
NSC has a fixed 5-year tenure with interest compounded annually, and this calculator projects your maturity value based on your investment amount and the current NSC interest rate. Unlike a savings account or FD, NSC interest is deemed to be reinvested each year (except the final year, when it's paid out with the principal) — meaning even though you don't see the interest until maturity, it's still taxable each year as it accrues, though the reinvested portion in years 1-4 also qualifies for a fresh 80C deduction, partially offsetting the tax. This makes NSC attractive for old-regime taxpayers who've room left in their ₹1.5 lakh 80C limit, and it remains a familiar, trusted option for many Indian households precisely because it's sold at the same post office counter people have used for decades, not through an app or a broker.
How to use this calculator
- Enter your investment amount.
- Enter the current NSC interest rate.
- See your maturity value after the fixed 5-year term.
Frequently asked questions
›What is the NSC tenure?
National Savings Certificates have a fixed tenure of 5 years, with no premature withdrawal option except in specific circumstances like the account holder's death.
›Is NSC interest taxable?
Yes, NSC interest is taxable each year as it accrues (even though it's paid at maturity), though the interest reinvested in years 1-4 is eligible for a fresh Section 80C deduction under the old regime.
›Is NSC a good investment compared to FD?
Both offer similar guaranteed-return safety; the better choice depends on your need for the 80C deduction, the relative rates on offer, and your tenure preference.
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Read the full guide
NSC (National Savings Certificate): Interest, Maturity & How It's Calculated