NSC Calculator
National Savings Certificate maturity after 5 years at 7.7%, compounded yearly, with yearly interest for 80C.
Maturity after 5 years
—
Total interest—
Year-1 interest (reinvested, 80C eligible)—
How to use the NSC calculator
- Enter investment and interest rate.
- Read the maturity after 5 years at the top of the result, with total interest, year-1 interest (reinvested, 80C eligible) underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
NSC interest is compounded yearly and paid at maturity. Interest for the first four years is treated as reinvested, which can be claimed under 80C in the old regime.
Worked example
With investment of ₹1,00,000 and interest rate of 7.7%:
| Maturity after 5 years | ₹1,44,903 |
| Total interest | ₹44,903 |
| Year-1 interest (reinvested, 80C eligible) | ₹7,700 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Is NSC interest taxable?
Yes, it is taxable, but interest for years 1–4 counts as reinvested and qualifies for 80C. Year-5 interest is taxed without that benefit.
Is the NSC rate fixed for 5 years?
Yes. The rate when you buy applies for the full term, even if notified rates change later.