Estimate the maturity value of a National Savings Certificate compounded yearly at the rate you enter.
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Calculated from your inputs
Estimated value
Total contributed
Growth / interest
Illustration
Contributed Growth / interest
How this is calculated
Annual compounding at an assumed constant rate. The default models five years; does not calculate tax deductions, tax on interest or premature closure terms.
Defaults are editable examples, not current provider quotes. Results are rounded for display. These are scenarios from your inputs, not live market data or investment advice.
The National Savings Certificate (NSC) is a five-year post office savings bond. Interest is compounded every year and paid with the principal at maturity, at the rate fixed when you buy it.
How the NSC calculator works
A = P × (1 + r)^5
A
Maturity value
P
Amount invested
r
Annual rate ÷ 100
The calculator compounds yearly for the years you enter; the default is the five-year term.
Worked example
Example inputs
Starting amount
₹1,00,000
Assumed annual rate
7.7%
Time period
5 years
Calculated result
Estimated value
₹1,44,903.38
Total contributed
₹1,00,000
Growth / interest
₹44,903.38
Why use a NSC calculator?
See the maturity value of a certificate before you buy it.
Compare NSC with a five-year FD or post office deposit.
NSC calculator FAQs
What is the minimum investment?
₹1,000, in multiples of ₹100, with no upper limit. Check India Post for the current rules.
Does NSC save tax?
The investment can qualify for a deduction under the old tax regime. Interest is taxable, though the interest reinvested each year (except the last) can count toward that deduction.
Can I close NSC early?
Only in specific cases, such as the holder’s death or a court order.
Does the rate change after I buy?
No. The rate on the day of purchase applies for the whole term, though new certificates may carry a different rate.