National Savings Certificate (NSC)
Calculate returns for NSC - 5 year Government savings bond
Maturity Amount (5 Years)
Year-wise Growth & Tax Benefit
| Year | Opening | Interest | Closing | 80C Benefit |
|---|---|---|---|---|
| 1 | ₹ 1,00,000 | ₹ 7,700 | ₹ 1,07,700 | ₹ 7,700 |
| 2 | ₹ 1,07,700 | ₹ 8,293 | ₹ 1,15,993 | ₹ 8,293 |
| 3 | ₹ 1,15,993 | ₹ 8,931 | ₹ 1,24,924 | ₹ 8,931 |
| 4 | ₹ 1,24,924 | ₹ 9,619 | ₹ 1,34,544 | ₹ 9,619 |
| 5 | ₹ 1,34,544 | ₹ 10,360 | ₹ 1,44,903 | - |
📌 NSC Key Features
- Fixed 5-year tenure
- Minimum investment: ₹1,000
- No maximum limit
- Interest compounded annually
- Maturity amount paid at the end
- Section 80C benefit on principal
- Reinvested interest (Years 1-4) also qualifies for 80C
- Can be pledged as loan collateral
- Available at all Post Offices
- Nomination facility available
You May Also Like
Estimate returns for Sukanya Samriddhi contributions.
Why this is recommended: Recommended because it belongs to the same planning category.
Project Kisan Vikas Patra value growth.
Why this is recommended: Recommended because it belongs to the same planning category.
Estimate senior citizen scheme maturity and income.
Why this is recommended: Recommended because it belongs to the same planning category.
Frequently Asked Questions
Who is NSC Calculator useful for?
NSC Calculator is useful for users evaluating government-backed or regulated saving schemes for long-term planning.
Can scheme rules change over time?
Yes. Interest rates, eligibility rules, and deposit limits can change, so you should verify the latest official guidelines before investing.
Is this tool suitable for planning maturity value?
Yes. It is helpful for estimating maturity amount and understanding how the scheme can fit into your savings plan.
Should I verify final numbers from official sources?
Yes. Use official notifications, bank/post office documents, or scheme circulars for final decision-making.