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NSC Calculator (National Savings Certificate)

Calculate NSC maturity value and interest.

Last updated: 20 Aug 2026

Quick answer

NSC compounds interest annually over a 5-year term: maturity = P(1 + r/100)^5. For example, ₹1,00,000 at 7.7% grows to about ₹1,44,900 in 5 years. Enter your deposit and rate above.

₹
% p.a.
years

The National Savings Certificate (NSC) is a 5-year, government-backed scheme with annually-compounded interest: maturity = P(1 + r/100)^5. Deposits qualify for Section 80C.

How to calculate NSC maturity

  1. 1 Enter your NSC deposit amount.
  2. 2 Enter the current NSC rate; the term is 5 years with annual compounding.
  3. 3 We show the maturity value and interest earned.

Frequently asked questions

How is NSC interest calculated?
Interest compounds annually and is paid at maturity: maturity = principal × (1 + rate/100)^5.
Is NSC eligible for 80C?
Yes — NSC investments qualify for a Section 80C deduction, and the annual accrued interest (except the last year) is also reinvested and deductible.
What is the NSC lock-in?
NSC has a 5-year lock-in; premature withdrawal is allowed only in specific cases.

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