NSC calculator
National Savings Certificate maturity value.
Your inputs
Minimum ₹1,000; no upper limit.
Advanced settings
Current rate: 7.7%.
Results
Generated on 11 Oct 2026
Your inputs
| Investment amount | ₹1,00,000 |
|---|---|
| Interest rate (per year) | 7.7% |
Maturity value
₹1,44,903
- Amount invested
- ₹1,00,000
- Interest earned
- ₹44,903
- Interest rate (per year)
- 7.70%
- Amount invested₹1,00,000(69%)
- Interest earned₹44,903(31%)
See how a different amount, return or period changes the result, side by side.
Year-by-year breakdown
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹7,700 | ₹1,07,700 |
| 2 | ₹0 | ₹8,293 | ₹1,15,993 |
| 3 | ₹0 | ₹8,931 | ₹1,24,924 |
| 4 | ₹0 | ₹9,619 | ₹1,34,544 |
| 5 | ₹0 | ₹10,360 | ₹1,44,903 |
Assumptions and method
Formula
- Maturity = P · (1 + r)^5
- Interest compounds yearly, paid at maturity
Modelling notes
- Interest compounds annually and is paid at maturity (5 years).
Not included
- Future rate revisions: the current rate is assumed for the whole term.
- Income tax on interest, where applicable.
Rates for Q3 FY2026-27 (1 Oct 2026 to 31 Dec 2026). Government revises small-savings rates every quarter.
This is an illustration at the rate you entered. Actual amounts depend on your bank's or lender's terms and future rate revisions.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
The National Savings Certificate (NSC) is a 5-year post-office deposit. Interest compounds yearly and is paid at maturity; the rate is fixed for the certificate at the time you buy it.
Frequently asked questions
Is NSC interest taxable?
Yes, it is taxed as income, although the deposit may qualify for a deduction under the old tax regime.
Does the rate change after I buy?
No. The rate on the date of purchase applies for the full 5 years.