National Savings Certificate (NSC) Calculator
Maturity value and yearly interest of a 5-year NSC at the current 7.7% rate.
Result
How to use
- 1
Enter the amount you will invest in NSC.
- 2
Check the interest rate.
- 3
See the maturity value after 5 years and the interest earned each year.
Questions
What is the current NSC interest rate?
7.7% a year for October–December 2026 (Q3 FY 2026-27), compounded every year and paid at maturity after 5 years. ₹1 lakh grows to ₹1,44,903. The rate on the purchase date stays fixed for the full term.
Does NSC save tax?
Under the old regime the investment qualifies for the ₹1.5 lakh deduction, and the interest earned in years 1–4 is treated as reinvested, so it can be claimed as a fresh deduction too. The new regime has no such deduction.
Is NSC interest taxable?
Yes, at your slab rate. Show the yearly accrued interest as income (and claim it as reinvested under the old regime); the final year's interest is taxable when the NSC matures.
About this NSC tool
National Savings Certificate (NSC) Calculator — Maturity value and yearly interest of a 5-year NSC at the current 7.7% rate. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter the amount you will invest in NSC.
Related reading
Articles that go with this tool
CTC vs In-Hand Salary: Why Your Offer Letter Number Isn’t What Reaches Your Bank
A ₹15 lakh CTC doesn’t mean ₹1.25 lakh a month in your account. A simple breakdown of CTC, gross and in-hand salary — PF, tax, gratuity and more — so you can compare job offers properly.
Sukanya Samriddhi Yojana: A Simple Guide for Parents of Daughters
Sukanya Samriddhi Yojana offers 8.2% interest (Oct–Dec 2026) and tax benefits for a girl child’s future. Who can open it, how much to deposit, when it matures — explained simply.
Home Loan Basics: How It Works and 6 Ways to Pay Less Interest
A home loan can cost you more in interest than the loan itself. Understand EMI, floating rates and the latest repo rate move — and learn simple prepayment tricks that can save lakhs.
Related tools
More money tools you may like
Results are estimates to help you plan. They are not financial, tax or medical advice.