⚡ Free Online Tool

NSC Calculator

Calculate the maturity value of your National Savings Certificate (NSC).

NSCNational Savings CertificateGovernment Scheme
✓ 100% Free✓ No Sign-up Required
Min ₹1,000, no maximum limit
Current official rate: 7.7% (Jul–Sep 2026), fixed for the 5-year tenure once you buy the certificate

Projected at Maturity (5 years)

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Amount Invested
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Interest Earned
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Maturity Value
The investment qualifies for a Section 80C deduction. The interest is compounded and paid only at maturity, but it's taxable each year on an accrual basis (except the final year's interest, which is taxed on receipt).
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Custom Options

Adjust settings to match exactly what you need

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100% Private

Files are never uploaded to a server — processed in your browser

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Free Forever

No limits, no payment, ever

How To Use

1

Enter your details

Fill in the required numbers in the calculator.

2

See instant results

The result updates automatically as you type.

3

Check the breakdown

Review the detailed breakdown shown below the result.

4

Use it as many times as you like

This calculator is free and has no usage limit.

About This Tool

NSC Calculator estimates the maturity value of a National Savings Certificate based on your investment amount and the current official interest rate.

Frequently Asked Questions

Is this calculator free to use?

Yes, completely free with no sign-up required and no limit on how many times you can use it.

Is my data stored anywhere?

No. All calculations happen instantly in your browser — nothing is sent to any server.

Is NSC interest tax-free?

No. NSC interest is taxable each year on an accrual basis, though it also qualifies for a Section 80C deduction (except in the final year).

Can I take a loan against my NSC?

Yes, NSC certificates can be used as collateral to secure a loan from most banks.

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