NSC Calculator

Estimate the maturity value of your National Savings Certificate (NSC) investment.

Investment Details

₹ 50,000
7.7 %
5 Years
NSC has a fixed tenure of 5 years.

Maturity Value

₹ 0

Total Interest Earned

₹ 0

Investment Amount

₹ 0

Year-wise Growth Breakdown

Year Starting Balance Interest Earned Ending Balance

National Savings Certificate (NSC) Calculator: Plan Your Investments

Easily calculate the maturity value of your NSC investments and project your returns.

Understanding National Savings Certificates

The National Savings Certificate (NSC) is a popular fixed-income investment scheme in India, primarily offered by the Post Office. It's a low-risk product designed to encourage small savings, offering attractive interest rates and tax benefits under Section 80C of the Income Tax Act. NSCs are a preferred choice for individuals looking for a secure investment option with guaranteed returns over a fixed tenure, typically 5 years.

Our NSC calculator simplifies the process of understanding your potential earnings, helping you make informed financial decisions.

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Using Our NSC Calculator: A Simple Guide

Our online NSC calculator is designed for ease of use, providing instant results for your investment projections. All calculations are performed securely in your browser, ensuring your data privacy.

  • Enter Investment Amount
    Input the principal amount you plan to invest in the National Savings Certificate.
  • Specify Interest Rate
    Enter the current interest rate applicable to the NSC scheme. This rate is set by the government and may vary quarterly.
  • Select Investment Date
    Choose the date of your investment to accurately determine the maturity period.
  • View Maturity Details
    Click "Calculate" to instantly see your maturity amount, total interest earned, and the maturity date.
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Key Aspects of NSC and Our Calculator

Our calculator helps you understand the various components that influence your NSC returns:

Investment Amount:
The principal sum you wish to invest. NSCs can be purchased for as little as ₹1,000, with no upper limit on investment.
Interest Rate:
The interest rate for NSCs is determined by the Ministry of Finance and is revised quarterly. Interest is compounded annually but paid out only at maturity.
Tenure:
NSCs typically have a fixed tenure of 5 years. There is no option for premature withdrawal, except in specific circumstances like the death of the investor or a court order.
Tax Benefits:
Investments in NSCs qualify for tax deductions under Section 80C of the Income Tax Act, up to a certain limit. The interest earned is also taxable, but the accrued interest for the first four years is deemed reinvested and thus qualifies for 80C deduction.
Maturity Value:
This is the total amount you will receive at the end of the 5-year tenure, including your principal investment and the compounded interest.
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Frequently Asked Questions (FAQ)

Yes, our National Savings Certificate calculator is completely free for all users. You can perform as many calculations as you need without any charges or limitations.

The calculator provides accurate estimates based on the investment amount, interest rate, and tenure you input. Please note that actual returns may vary slightly due to government policy changes or specific terms at the time of investment.

Our calculator primarily focuses on the maturity value based on the principal and interest rate. While NSC investments are eligible for Section 80C tax benefits, this calculator does not directly compute the tax savings. You should consult a tax advisor for detailed tax implications.

No, this calculator is specifically designed for National Savings Certificates (NSC) and uses its unique compounding and maturity rules. For other investment schemes, you would need a calculator tailored to their specific terms and conditions.