Source: https://awesomecalcs.com/nsc-calculator/100000-nsc-5-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

---
# ₹1,00,000 NSC Investment for 5 Years

> See the maturity value and year-by-year interest on a ₹1,00,000 National Savings Certificate at 7.7% p.a., compounded annually.

Interactive calculator: https://awesomecalcs.com/nsc-calculator/100000-nsc-5-years

Keywords: ₹100000 NSC maturity value, 1 lakh national savings certificate returns, NSC 100000 5 years maturity, NSC calculator 1 lakh, NSC 80C benefit 1 lakh, NSC vs PPF 1 lakh, NSC vs FD 1 lakh

## Scenario inputs

```json
{
  "inputs": {
    "investment": 100000,
    "annualRatePercent": 7.7,
    "years": 5
  }
}
```

## Frequently asked questions

### How does a ₹1,00,000 NSC compare to a ₹1,00,000 FD for 5 years?

A ₹1,00,000 FD at 7% p.a. matures to about ₹1,41,478. A ₹1,00,000 NSC at 7.7% p.a. matures to about ₹1,45,063. The difference is about ₹3,585, plus the NSC provides a full ₹1,00,000 deduction under 80C in the investment year (assuming total 80C is below ₹1,50,000).

### Is the interest on a ₹1,00,000 NSC taxable?

Year 1 to year 4 interest is eligible as an 80C deduction (treated as fresh reinvestment). Only the year-5 interest is taxable. For a ₹1,00,000 NSC, the year-5 interest is approximately ₹7,700 and is added to taxable income in the maturity year.

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

Yes. NSC has no investment ceiling. At ₹1,00,000, this investment uses ₹1,00,000 of your ₹1,50,000 annual 80C limit, leaving ₹50,000 for PPF, ELSS, life insurance premiums, or home loan principal repayments in the same year.