NSC Calculator
Calculate maturity value of National Savings Certificate investment.
Investment Details
₹1,00,000
₹1,000₹10,00,000
Minimum ₹1,000, no maximum limit
7.7%
5%10%
Current rate: 7.7% (Q4 FY24)
Lock-in Period
5 Years
NSC has a fixed maturity of 5 years
Year-wise Interest Accrual
Interest accrued each year is eligible for 80C deduction (except in final year)
| Year | Opening Balance | Interest | Closing Balance |
|---|---|---|---|
| Year 1 | ₹1,00,000 | ₹7,700 | ₹1,07,700 |
| Year 2 | ₹1,07,700 | ₹8,293 | ₹1,15,993 |
| Year 3 | ₹1,15,993 | ₹8,931 | ₹1,24,924 |
| Year 4 | ₹1,24,924 | ₹9,619 | ₹1,34,544 |
| Year 5 | ₹1,34,544 | ₹10,360 | ₹1,44,903 |
NSC Features
Government Backed
100% safe, sovereign guarantee
80C Benefit
Investment + accrued interest eligible
Loan Collateral
Can be used as security for loans