National Savings Certificate Calculator
Current NSC Rate = 7.7% | Lock-in Period = 5 Years
Year-wise Interest
A National Savings Certificate (NSC) is a safe, government-backed, fixed-income investment in India designed to encourage long-term savings. It has a 5-year term, a fixed interest rate (currently 7.7% p.a., compounded annually), and tax benefits under Section 80C.
You can get it at post offices and banks. There is no maximum investment limit, and the interest is reinvested. The final amount is paid at maturity, making it a low-risk, tax-efficient option for conservative investors.
What is the NSC Calculator?
An NSC (National Savings Certificate) calculator is a simple digital tool that helps you find the maturity amount. It also tells you the interest earned on your NSC investment.
NSC is a fixed-income, government-backed scheme from post offices with a 5-year lock-in and current interest around 7.7% p.a., compounded annually.
Just enter your investment amount and tenure, no math needed, and it shows total returns, helping you plan tax-saving goals under Section 80C.
It's perfect for comparing with FD or PPF, and gives accurate projections without errors.
Anyone can use it for free to see how much ₹1 lakh grows to about ₹1.48 lakh in 5 years at current rates.
How does the NSC Calculator Work?
An NSC (National Savings Certificate) calculator estimates how much your investment will be worth after the NSC’s fixed 5-year tenure by applying the current NSC interest rate and annual compounding.
You simply enter the amount you want to invest (principal), the interest rate, and the time period, and the calculator shows the maturity value and total interest earned.
It works on the idea that each year’s interest is added back to the principal, and the next year’s interest is calculated on the increased amount (compound interest).
NSC calculation formula:
A commonly used NSC maturity formula is:
M=P(1+r/100)^n
Here,
M= maturity value,
P = principal,
r= annual interest rate (%),
n = number of years.
Example (Table)
Example: Investment of ₹1,00,000 for 5 years at 7.7% p.a. (compounded annually).
Item | Value |
Principal (P) | ₹1,00,000 |
Interest rate (r) | 7.7% p.a. |
Tenure (n) | 5 years |
Estimated maturity amount (M) | ₹1,44,900 (approx.) |
Estimated interest earned | ₹44,900 (approx.) |
How to use Stockify’s NSC Calculator?
Stockify’s NSC calculator is super easy, just a few clicks to see your returns. Follow these simple steps:
Open the calculator:
Go to the NSC Calculator page on Stockify and find the input fields.
Enter your investment amount:
Type in how much you want to invest (e.g., ₹50,000 or ₹1 lakh). The minimum is just ₹100.
Add the current interest rate:
Use the latest NSC rate (around 7.7%) or let it auto-fill if available.
Tenure is auto-set:
It’s fixed at 5 years for NSC, no need to change anything.
Click Calculate to get instant results showing the maturity amount and interest earned.
Advantages of Stockify’s NSC Calculator
Stockify’s NSC calculator makes tax-saving investment planning effortless and accurate. Here are the key advantages:
Quick maturity projections:
Enter your investment amount and get the exact maturity value plus interest earned in seconds, no spreadsheets or formulas needed.
Current rate updates:
You must always use the latest NSC interest rate (like 7.7% p.a.). This will keep your estimates accurate even when government rates change quarterly.
Easy comparison tool:
You can use the tool to test what different investment amounts varying from ₹10,000 to ₹1 lakh will pay you. It eases for you to verify in what percentage your return scale and fit your Section 80C tax-saving goals.
Clear interest breakdown:
The calculator shows you both the total maturity amount and interest earned separately. It gives you an idea to understand the power of annual compounding over 5 years.
User-friendly for beginners:
Check with the simple inputs with auto-filled tenure which is 5 years fixed. This will give you details on how to start and with how much to start for your financial planning.
Tax benefit preview:
Highlights how NSC fits into your ₹1.5 lakh 80C limit, making it easier to maximise deductions alongside other investments like PPF or ELSS.
FAQ
The current rate of NSC is 7.7%, which is revised quarterly by the Indian government.
To get money from NSC on maturity, you need to visit any post office with the original certificate, ID proof, and a discharge form-2 to encash it directly.
No, premature withdrawals are not permissible under NSC.
No, it is not possible because NSC has a lock-in period of 5 years. The investors have to maintain the amount in the account until maturity.
Yes the interest rate on NSC is fixed. At the moment it is 7.7%
No, premature withdrawals are not allowed under NSC. But the NSC certificate can be used to apply for a loan as collateral. Early withdrawals are allowed only in case of the death of the investor and that too after the court’s permission.
Buy/Sell Your Unlisted Shares
Submit the details below to share a quote.
