NSC Calculator
Calculate how much your National Savings Certificate investment grows over the 5-year tenure, and see the year-wise interest accrual and 80C eligibility.
Tenure: 5 years (fixed for NSC VIII Issue)
Maturity value
7.7% p.a. · compounded annually₹1,
after 5 years
Investment
₹1,
Total interest earned
₹44,
+45% gain
Interest rate
7.7% p.a.
Tenure
5 years
| Year | Principal | Split | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹1L₹1,00,000 | ₹7.7k₹7,700 | ₹1.08L₹1,07,700 | |
| 2 | ₹1L₹1,00,000 | ₹15.99k₹15,993 | ₹1.16L₹1,15,993 | |
| 3 | ₹1L₹1,00,000 | ₹24.92k₹24,924 | ₹1.25L₹1,24,924 | |
| 4 | ₹1L₹1,00,000 | ₹34.54k₹34,544 | ₹1.35L₹1,34,544 | |
| 5 | ₹1L₹1,00,000 | ₹44.9k₹44,903 | ₹1.45L₹1,44,903 |
Frequently asked questions
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This calculator uses the NSC VIII Issue rules: interest of 7.7% per year is compounded annually on the investment of ₹1,00,000 and paid as a lump sum at maturity after 5 years. Interest accrued in years 1 to 4 is deemed reinvested and qualifies for the Section 80C deduction. Year-5 interest is taxable as income in the year of maturity.