NSC Calculator
Calculate maturity value and interest earned on National Savings Certificates.
Breakdown
Principal
₹1,00,000
Interest
₹44,903
Maturity
₹1,44,903
Schedule
| Year | Value |
|---|---|
| 1 | ₹1,07,700 |
| 2 | ₹1,15,993 |
| 3 | ₹1,24,924 |
| 4 | ₹1,34,544 |
| 5 | ₹1,44,903 |
What is National Savings Certificate?
A National Savings Certificate (NSC) is a government-backed savings scheme offered through the Post Office in India. It is designed as a low-risk investment option that encourages long-term savings while providing guaranteed returns and tax benefits.
An NSC Calculator helps estimate the maturity amount and total interest earned on a lump-sum investment over the fixed tenure of the scheme.
How National Savings Certificate Works
A lump-sum principal amount is invested at the start. The interest rate is fixed by the Government of India. The investment tenure is commonly 5 years.
Interest is compounded yearly — interest earned each year is added to the principal for the next year's calculation.
One-Time Investment
Lump sum deposited at the start of the scheme
Government-Backed
Guaranteed returns backed by the Government of India
Fixed Tenure
Commonly 5-year investment period
Yearly Compounding
Interest compounds annually for steady growth
Key Benefits
Section 80C Deduction
Tax deduction up to ₹1.5 lakh per year
Government Backed
Safe investment with guaranteed returns
Conservative Investors
Ideal for those seeking predictable returns