Source: https://awesomecalcs.com/nsc-calculator/150000-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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# ₹1,50,000 NSC Investment for 5 Years

> See the maturity value and year-by-year interest on a ₹1,50,000 National Savings Certificate at 7.7% p.a., compounded annually.

Interactive calculator: https://awesomecalcs.com/nsc-calculator/150000-nsc-5-years

Keywords: ₹150000 NSC maturity value, 1.5 lakh national savings certificate returns, NSC 150000 5 years maturity, NSC calculator 1.5 lakh, NSC maximum 80C deduction, NSC vs PPF 1.5 lakh, NSC 80C full limit

## Scenario inputs

```json
{
  "inputs": {
    "investment": 150000,
    "annualRatePercent": 7.7,
    "years": 5
  }
}
```

## Frequently asked questions

### Does a ₹1,50,000 NSC use up the full 80C limit?

Yes. A single ₹1,50,000 NSC investment uses the full ₹1,50,000 annual 80C deduction limit. If you also invest in PPF, ELSS, or pay life insurance premiums, you need to plan your total 80C basket to stay within this limit.

### Is the interest on a ₹1,50,000 NSC taxable?

Interest in years 1 to 4 is eligible for 80C (treated as reinvested). Year-5 interest is taxable income. For a ₹1,50,000 NSC, the year-5 interest is roughly ₹11,500 and is added to your income in the maturity year.

### How does a ₹1,50,000 NSC compare to ₹1,50,000 in PPF?

Both qualify for 80C. PPF has a 15-year lock-in and earns 7.1% p.a. tax-free. NSC has a 5-year lock-in at 7.7% p.a., but the maturity amount is taxable (except the reinvested interest). For short horizons (5 years), NSC gives faster liquidity. For long horizons, PPF is more tax-efficient.