Calculator
NSC Calculator
National Savings Certificate — 5-year tenure, annual compounding, Section 80C eligible.
dhanmetrics.com · Educational illustration only · Not investment advice
Maturity at year 5
₹1,44,903
That’s 1.45× your deposit
What this means
NSC compounds annually at the Govt-declared rate and qualifies under Section 80C — your ₹1.0L grows to ₹1.4L over 5 years. The big trade-off: interest accrued each year is taxable (added to your slab), though the reinvested interest also counts toward 80C in the same year. It's lower-yield than equity but sovereign-guaranteed.
What if you…
Deposited ₹2.0L (2×)
₹2.9L
+₹1.4L
Got a 8.7% rate (1% higher)
₹1.5L
+₹6.9K
Reinvested maturity into another NSC
₹2.1L
+₹65.1K
Educational illustration. NSC interest accrues annually and is taxable as per your slab (though reinvested interest counts toward the 80C cap). Rates revise quarterly.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Annual compounding, 5-year fixed tenure.
Min ₹1,000, no upper limit. Investments up to ₹1.5L/yr qualify for Section 80C deduction.
Current Govt rate is 7.7% (Q3 FY 2025–26). Compounded annually; rate fixed at issue stays for the full tenure even if Govt revises later.
Standard NSC tenure is 5 years (the field defaults to 5). You can model longer durations by manually adjusting here.
Growth chart