Govt schemes
NSC Calculator
National Savings Certificate maturity.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Maturity (5 yr)
₹1.45L
Invested₹1L
Interest₹44.9K
₹1,00,000 in NSC at 7.7% (annually compounded) matures to ₹1,44,903 in 5 years.
Partner offer
Buy NSC online
Via India Post or your bank.
Know the scheme: National Savings Certificate (NSC)
| Interest rate | 7.7% p.a., compounded annually, paid at maturity |
| Tenure | 5 years |
| Deposit | ₹1,000 minimum, no maximum, multiples of ₹100 |
| Tax benefit | Deposits qualify for 80C; accrued interest (except the final year) is deemed reinvested and also qualifies |
| Who can buy | Resident individuals (singly, jointly, or for a minor) |
| Where to buy | Any post office |
Key rules
- No premature encashment except on death of the holder or by court order.
- Certificates can be pledged as collateral for bank loans.
- Interest is taxable on accrual, but the 80C reinvestment treatment softens the effective tax during the term.
Frequently asked
Is NSC interest taxable?
NSC interest is taxable, but the yearly accrued interest (except the last year) is reinvested and qualifies for Section 80C.
Is the NSC Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the NSC Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.