Source: https://awesomecalcs.com/nsc-calculator/500000-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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# ₹5,00,000 NSC Investment for 5 Years

> See the maturity value and year-by-year interest on a ₹5,00,000 National Savings Certificate at 7.7% p.a., compounded annually.

Interactive calculator: https://awesomecalcs.com/nsc-calculator/500000-nsc-5-years

Keywords: ₹500000 NSC maturity value, 5 lakh national savings certificate returns, NSC 500000 5 years maturity, NSC calculator 5 lakh, NSC vs FD 5 lakh, NSC large investment 5 lakh

## Scenario inputs

```json
{
  "inputs": {
    "investment": 500000,
    "annualRatePercent": 7.7,
    "years": 5
  }
}
```

## Frequently asked questions

### How much of a ₹5,00,000 NSC qualifies for 80C deduction?

Only ₹1,50,000 of the ₹5,00,000 qualifies for 80C deduction in the investment year. The rest earns 7.7% but provides no additional tax relief. If you want to maximise tax-sheltered growth, consider spreading across NSC, PPF (max ₹1,50,000/year), and ELSS.

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

A ₹5,00,000 FD at 7% p.a. matures to about ₹7,07,389. A ₹5,00,000 NSC at 7.7% p.a. matures to about ₹7,25,313. NSC gives about ₹17,924 more at maturity, plus a ₹1,50,000 80C deduction on the portion within the limit.

### Is the interest on a ₹5,00,000 NSC taxable?

Years 1 to 4 interest qualifies for 80C (subject to the ₹1,50,000 limit). Year-5 interest of roughly ₹38,500 is taxable income in the maturity year. At higher tax brackets, this could reduce the effective post-tax return significantly, so compare against tax-free instruments like PPF for large amounts.