About the NSC Calculator
The National Savings Certificate (NSC) is a government-backed, fixed-income post-office scheme with a 5-year term and Section 80C tax benefit. Enter your investment and the interest rate, and this calculator estimates the maturity value after 5 years of annual compounding.
How NSC works
NSC is a safe, fixed-return scheme. Interest is compounded annually and paid at maturity after 5 years. The investment qualifies for a Section 80C deduction, and the annual accrued interest (except the final year) is also deemed reinvested and eligible under 80C.
NSC Calculator — frequently asked questions
What is the NSC tenure?
NSC has a fixed 5-year term. Interest is compounded annually and paid along with the principal at maturity.
Is NSC tax-saving?
Yes — the investment qualifies for a deduction under Section 80C (up to ₹1.5 lakh a year), and reinvested interest is also eligible, except in the final year.
Is NSC safe?
Yes — it is a government-backed small-savings scheme with assured returns, making it very low risk.