Source: https://awesomecalcs.com/nsc-calculator/200000-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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# ₹2,00,000 NSC Investment for 5 Years

> See the maturity value and year-by-year interest on a ₹2,00,000 National Savings Certificate at 7.7% p.a., compounded annually.

Interactive calculator: https://awesomecalcs.com/nsc-calculator/200000-nsc-5-years

Keywords: ₹200000 NSC maturity value, 2 lakh national savings certificate returns, NSC 200000 5 years maturity, NSC calculator 2 lakh, NSC 80C benefit 2 lakh, NSC vs FD 2 lakh

## Scenario inputs

```json
{
  "inputs": {
    "investment": 200000,
    "annualRatePercent": 7.7,
    "years": 5
  }
}
```

## Frequently asked questions

### How much of a ₹2,00,000 NSC qualifies for 80C deduction?

The 80C deduction is capped at ₹1,50,000 per year. Of a ₹2,00,000 NSC investment, only ₹1,50,000 qualifies for deduction in the investment year. The remaining ₹50,000 does not reduce taxable income but still earns the 7.7% guaranteed return.

### How does a ₹2,00,000 NSC compare to a ₹2,00,000 FD for 5 years?

A ₹2,00,000 FD at 7% p.a. matures to about ₹2,82,955. A ₹2,00,000 NSC at 7.7% p.a. matures to about ₹2,90,125. NSC gives about ₹7,170 more, plus a ₹1,50,000 tax deduction benefit.

### Is the interest on a ₹2,00,000 NSC taxable?

Year 1 to year 4 interest is eligible for 80C (subject to the overall ₹1,50,000 limit). The year-5 interest of roughly ₹15,400 is taxable as income in the maturity year. The principal and reinvested interest portions are not separately taxed at maturity.