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Estimate National Savings Certificate maturity amount and interest earned using investment amount, rate, and tenure.
Tax year 2026 - Updated June 2026
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
80C-eligible investment
₹1,50,000
Interest compounding
Annual
Tenure shown
5 years
Year-by-year estimate of investment amount versus accrued value.
| 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 |
Quick answers
How is NSC maturity amount calculated?
NSC maturity is estimated by compounding the investment annually at the entered interest rate for the selected tenure.
Is NSC interest taxable?
NSC tax treatment can depend on the year and your filing situation. This calculator does not calculate tax on accrued interest.
What is the usual NSC tenure?
NSC VIII Issue commonly uses a 5-year maturity, but always confirm current scheme terms before investing.
Is NSC better than PPF?
NSC may suit a fixed 5-year savings plan, while PPF is a longer-term savings option. The better choice depends on liquidity, tax planning, and goal duration.
Does the NSC calculator include premature encashment?
No. It does not include premature encashment, tax, account-specific rules, or future rate changes.
Keep planning
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