NSC Calculator

↻ Updated FY 2026-27

Find your National Savings Certificate (NSC) maturity value. A one-time investment compounds annually for 5 years, with interest paid at maturity.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Investment amount

No maximum limit

Interest rate

Maturity value

₹1,44,903

after 5 years

Invested

₹1,00,000

one-time deposit

Interest earned

₹44,903

44.9% total

Principal vs interest

Principal₹1,00,000

Interest₹44,903

Year-by-year value

End of year 1₹1,07,700

End of year 2₹1,15,993

End of year 3₹1,24,924

End of year 4₹1,34,544

End of year 5₹1,44,903

ASSUMPTIONS — NSC interest compounds annually but is paid out only at the end of the 5-year term. Interest accrued each year (except the last) is deemed reinvested and qualifies for Section 80C deduction. The rate shown is for the Jul–Sep 2026 quarter and is revised quarterly by the Ministry of Finance; the rate is fixed for the full term at the time of purchase.

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Related calculators

KVP PPF Sukanya Samriddhi

Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.