NSC Calculator

Estimate National Savings Certificate maturity amount and interest earned using investment amount, rate, and tenure.

Tax year 2026 - Updated June 2026

NSC inputs

Investment amount

INR

Annual interest rate

Tenure

years

NSC VIII Issue commonly uses a 5-year maturity. Keep tenure editable here only for what-if comparisons.

Estimated maturity amount

₹2,17,355

₹1,50,000 for 5 years at 7.7% annual compounding.

Investment amount

₹1,50,000

Interest earned

₹67,355

Invested: 69%Interest: 31%

80C-eligible investment

₹1,50,000

Interest compounding

Annual

Tenure shown

5 years

NSC growth chart

Year-by-year estimate of investment amount versus accrued value.

Closing balanceInvestment amountFinal: ₹2,17,355

Year-wise accrual

Year	Opening balance	Interest	Closing balance
1	₹1,50,000	₹11,550	₹1,61,550
2	₹1,61,550	₹12,439	₹1,73,989
3	₹1,73,989	₹13,397	₹1,87,387
4	₹1,87,387	₹14,429	₹2,01,815
5	₹2,01,815	₹15,540	₹2,17,355

Formula used

NSC interest is estimated with annual compounding.
Maturity amount = investment amount x (1 + annual rate) ^ tenure years.
Interest earned = maturity amount - investment amount.
NSC VIII Issue commonly has a 5-year maturity; tenure is editable here for what-if estimates.
Initial NSC investment may be eligible under Section 80C subject to applicable limits and rules.
Tax treatment of accrued interest can vary by year and filing situation; this calculator does not calculate tax.

Related calculators and guides

SIP Calculators Hub

Compare NSC maturity with SIP and compounding tools.

PPF Calculator

Compare NSC with another 80C-friendly savings option.

FD Calculator

Compare NSC with a bank fixed deposit estimate.

Guide

NSC Calculator Guide

Understand NSC maturity, annual compounding, and assumptions.

Guide

PPF vs NPS vs FD

Compare common tax-saving and conservative savings options.

Assumptions

Designed for India-style National Savings Certificate estimates using INR amounts.
Uses annual compounding and assumes interest is payable at maturity.
Defaults to 5 years because NSC VIII Issue commonly uses a 5-year maturity.
The interest rate is editable because small savings rates are reviewed periodically.
Does not calculate tax on accrued interest, Section 80C limits across other investments, premature encashment, or account-specific rules.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Year

Opening balance

Interest

Closing balance

₹1,50,000

₹11,550

₹1,61,550

₹12,439

₹1,73,989

₹13,397

₹1,87,387

₹14,429

₹2,01,815

₹15,540

₹2,17,355

Formula used

NSC interest is estimated with annual compounding.

Maturity amount = investment amount x (1 + annual rate) ^ tenure years.

Interest earned = maturity amount - investment amount.

NSC VIII Issue commonly has a 5-year maturity; tenure is editable here for what-if estimates.

Initial NSC investment may be eligible under Section 80C subject to applicable limits and rules.

Tax treatment of accrued interest can vary by year and filing situation; this calculator does not calculate tax.

Assumptions

Designed for India-style National Savings Certificate estimates using INR amounts.

Uses annual compounding and assumes interest is payable at maturity.

Defaults to 5 years because NSC VIII Issue commonly uses a 5-year maturity.

The interest rate is editable because small savings rates are reviewed periodically.

Does not calculate tax on accrued interest, Section 80C limits across other investments, premature encashment, or account-specific rules.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.