NSC calculator (National Savings Certificate)

5-year small-savings certificate from India Post. Section 80C eligible (up to ₹1.5 lakh / year). Annual compounding at the government-notified rate, currently 7.7%. Interest is taxable but accrues — payout only at maturity.

Maturity value (5 years)
₹0
Total interest
₹0
80C tax saved
₹0
Effective return
0%
YearOpeningInterest accruedClosing

NSC features

  • Lock-in: 5 years (no premature withdrawal except on holder's death)
  • 80C: Investment deductible up to ₹1.5L / year (shared cap with PPF, ELSS, EPF, life insurance)
  • Annual interest accrued is also treated as fresh 80C investment for years 1–4 (auto-reinvested)
  • Year 5 interest is taxable in year of maturity
  • Can be pledged as collateral for bank loans