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NSC Calculator

Find the maturity amount and interest on National Savings Certificates.

About the NSC Calculator

Enter the amount invested and the current NSC rate. The calculator gives the maturity value after 5 years and the interest earned.

Find the maturity amount and interest on National Savings Certificates. NSC VIII Issue pays 7.7% (October–December 2026), compounded yearly and paid at maturity after 5 years. The investment qualifies under Section 80C (old regime); interest is taxable.

The formula

Maturity = P × (1 + 0.077)⁵

Worked example

₹1,00,000 at 7.7% compounded yearly

  1. 1,00,000 × 1.077⁵
  2. = ₹1,44,903 at maturity
  3. Interest ₹44,903

Things to keep in mind

  • Rates are reviewed every quarter; this uses the rate for October–December 2026.

Questions people ask

Is NSC interest taxable?

Yes, though interest for years 1–4 can be claimed under 80C as reinvested.

Can I exit early?

Only in special cases such as the holder's death.

Sources