₹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.
An NSC investment of ₹5,00,000 at 7.7% p.a. for 5 years matures to ₹7,24,517, earning ₹2,24,517 in interest. Interest in years 1 to 4 is deemed reinvested and qualifies for Section 80C deduction, reducing your effective tax outgo.
- Investment
- ₹5,00,000
- Interest rate
- 7.7% p.a.
- Tenure
- 5 years
Maturity Value
7.7% p.a.₹7.25 Lakhs
₹7,24,517
after 5 years
Investment
₹5 Lakhs
₹5,00,000
Total interest earned
₹2.25 Lakhs
₹2,24,517
+45% gain
Interest rate
7.7% p.a.
Tenure
5 years
| Year | Opening balance | Split | Interest accrued | Closing balance |
|---|---|---|---|---|
| 1 | ₹5,00,000 | ₹38,500 | ₹5,38,500 | |
| 2 | ₹5,38,500 | ₹41,465 | ₹5,79,965 | |
| 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.