NSC Calculator
National Savings Certificate maturity after 5 years, with the interest-reinvestment rule that most calculators get wrong.
Your numbers
Your result
₹50,000 invested in NSC at 7.7% grows to ₹72,452 in 5 years. The first 4 years of interest (₹17,272) auto-reinvest and qualify for 80C deduction. Only the final year's interest (₹5,180) is taxable.
- Amount invested
- ₹50,000
- Interest earned
- ₹22,452
- Maturity value
- ₹72,452
- Interest re-invested (80C eligible)
- ₹17,272
- Final year interest (taxable)
- ₹5,180
- Tax on final year
- ₹1,036
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Compare with PPF (the longer, fully tax-free cousin)
PPF is 15-year EEE (fully tax-free); NSC is 5-year with taxable final-year interest. Run both for the same amount and see which fits your timeline.
Open it
When NSC beats PPF
PPF locks for 15 years; NSC locks for 5. For tax-saving money you need access to within a decade, NSC wins. The interest re-investment rule also means NSC gives you an "extra" 80C deduction in years 2-5 without you having to deposit fresh money each year.
Where to buy NSC
Any India Post office. Online via DOP internet banking if you have a post office savings account. Physical NSC certificates were phased out in 2016; today it is paperless. Minimum ₹1,000, no upper cap. Buy in March if you need urgent 80C, settlement is same-day for cash deposits.