Source: https://awesomecalcs.com/nsc-calculator/10000-nsc-5-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹10,000 NSC Investment for 5 Years

> See the maturity value and year-by-year interest on a ₹10,000 National Savings Certificate at 7.7% p.a., compounded annually.

Interactive calculator: https://awesomecalcs.com/nsc-calculator/10000-nsc-5-years

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## Scenario inputs

```json
{
  "inputs": {
    "investment": 10000,
    "annualRatePercent": 7.7,
    "years": 5
  }
}
```

## Frequently asked questions

### How does a ₹10,000 NSC compare to a ₹10,000 FD for 5 years?

A ₹10,000 FD at 7% p.a. (compounded quarterly) grows to about ₹14,148 after 5 years. A ₹10,000 NSC at 7.7% p.a. (compounded annually) grows to about ₹14,506. The NSC offers a slightly higher return, plus the 80C tax deduction benefit for the year of investment.

### Is the interest on a ₹10,000 NSC taxable?

NSC interest is deemed reinvested each year and is not paid out. The interest accrued in years 1 through 4 is eligible for 80C deduction as reinvested interest. Only the final-year interest (year 5) is taxable as income in the year of maturity.

### Can I invest more than ₹1,50,000 in NSC in a year?

Yes, there is no maximum investment limit for NSC. However, the 80C deduction is capped at ₹1,50,000 per year across all eligible instruments. Any NSC investment above this amount does not get additional tax relief, but still earns the 7.7% p.a. guaranteed return.