NSC Calculator
Estimate NSC maturity amount and annual interest for tax planning
Unit: ₹
Half-yearly compounding • Unit: %
Unit: years
Maturity Amount
₹2,18,855
Total Interest Earned
₹68,855
Annual 80C Benefit
₹45,000
How this calculator works
National Savings Certificate calculator — maturity value, yearly interest accrual, and Section 80C tax benefit.
Quick tips
- •NSC accrued interest (years 1-4) qualifies for Section 80C reinvestment deduction.
- •Only the interest in year 5 is actually taxable since earlier years are claimed under 80C.
- •No maximum investment limit on NSC. Invest as much as you want, but 80C benefit is capped at Rs 1.5 lakh.
📤 Share this tool
📖 Learn More About NSC Calculator
NSC Calculator
This NSC calculator estimates your maturity value and yearly interest from National Savings Certificate, a popular tax-saving instrument available at post offices.
Formula: Maturity = Principal × (1 + Rate/2)^(2 × Years)
- NSC accrued interest (years 1-4) qualifies for Section 80C reinvestment deduction.
- Only the interest in year 5 is actually taxable since earlier years are claimed under 80C.
- No maximum investment limit on NSC. Invest as much as you want, but 80C benefit is capped at Rs 1.5 lakh.
Frequently Asked Questions
Does NSC qualify for Section 80C?
Yes. Both the initial investment and accrued interest reinvested in years 1-4 qualify for Section 80C deduction up to Rs 1.5 lakh per year.
What is the NSC lock-in period?
NSC has a fixed 5-year lock-in with no premature withdrawal except in case of death of the holder or court order.