NSC Calculator
By Sagar Kumar · Updated 25 October 2026
Calculate the maturity value of a National Savings Certificate (NSC VIII issue) and the interest that accrues each year — useful for your Section 80C claim.
| Amount invested | — |
| Total interest | — |
| Interest eligible for 80C (years 1–4) | — |
Rates shown are the Government of India rates for October–December 2026 (unchanged from the previous quarter). Rates are reviewed every quarter — you can edit the rate field.
NSC formula
₹1,00,000 × (1.077)⁵ = ₹1,44,903. Interest is compounded every year but paid only at maturity.
NSC maturity for common amounts (7.7%)
| Investment | Maturity after 5 years | Interest |
|---|---|---|
| ₹1,000 | ₹1,449 | ₹449 |
| ₹10,000 | ₹14,490 | ₹4,490 |
| ₹50,000 | ₹72,452 | ₹22,452 |
| ₹1,00,000 | ₹1,44,903 | ₹44,903 |
| ₹1,50,000 | ₹2,17,355 | ₹67,355 |
| ₹5,00,000 | ₹7,24,517 | ₹2,24,517 |
हिंदी में समझें
NSC (राष्ट्रीय बचत पत्र) 5 साल की स्कीम है जिस पर अभी 7.7% ब्याज है। ₹1 लाख लगाने पर 5 साल बाद लगभग ₹1,44,903 मिलते हैं। इसमें निवेश पर धारा 80C की छूट मिलती है।
Frequently asked questions
What is the NSC interest rate now?
7.7% a year for October–December 2026, compounded yearly and paid at maturity after 5 years. The rate on the day you invest stays fixed for the full term.
How much will ₹1 lakh in NSC become after 5 years?
About ₹1,44,903 at 7.7% — that is ₹44,903 of interest. Every ₹1,000 becomes about ₹1,449.
Is NSC interest taxable?
Yes. The interest is taxable, but the interest for the first four years is treated as reinvested and qualifies for Section 80C deduction (old regime). The final year's interest is taxed without that benefit.
What is the minimum and maximum investment in NSC?
Minimum ₹1,000, in multiples of ₹100. There is no maximum, but the 80C deduction is limited to ₹1.5 lakh a year.
Can I withdraw NSC before 5 years?
Only in special cases — death of the holder, a court order or forfeiture by a pledgee. Otherwise it is locked in for 5 years.
Official sources: India Post · National Savings Institute