₹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.
An NSC investment of ₹1,00,000 at 7.7% p.a. for 5 years matures to ₹1,44,903, earning ₹44,903 in interest. Interest in years 1 to 4 is deemed reinvested and qualifies for Section 80C deduction, reducing your effective tax outgo.
- Investment
- ₹1,00,000
- Interest rate
- 7.7% p.a.
- Tenure
- 5 years
Maturity Value
7.7% p.a.₹1.45 Lakh
₹1,44,903
after 5 years
Investment
₹1 Lakh
₹1,00,000
Total interest earned
₹44,
+45% gain
Interest rate
7.7% p.a.
Tenure
5 years
| Year | Opening balance | Split | Interest accrued | Closing balance |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹7,700 | ₹1,07,700 | |
| 2 | ₹1,07,700 | ₹8,293 | ₹1,15,993 | |
| 3 |
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NSC earns 7.7% p.a. compounded annually. Investments up to ₹1,50,000/year qualify for Section 80C deduction. Interest is deemed reinvested and taxable only at maturity.