Stax

حاسبة NSC

احسب قيمة استحقاق شهادة الادخار الوطنية — مدة ثابتة 5 سنوات، مدعومة حكومياً، حالياً 7.7% سنوياً.

Min ₹1,000. No upper limit.

Government-set, revised quarterly.

5 years (fixed by scheme)

What is an NSC calculator?

An NSC calculator computes the maturity amount of a National Savings Certificate after the fixed 5-year tenure. Interest compounds annually at the prevailing government rate (7.7% as of FY 2025-26).

How NSC interest accrual works

Interest is added to the certificate balance each year and itself earns interest in subsequent years. ₹1,00,000 invested today at 7.7% becomes ~₹1,44,903 at the end of year 5. The interest is paid as a single maturity amount, not monthly or annually.

Tax treatment of NSC

NSC investments qualify for Section 80C (₹1.5 lakh annual cap). Each year's accrued interest is technically taxable in that year but is also treated as reinvestment and qualifies for 80C — except in the final 5th year, where the interest is fully taxable. TDS is not deducted at source; you must self-report.

الأسئلة الشائعة

What is NSC (National Savings Certificate)?
NSC is a government-backed fixed-income savings scheme available at post offices. Investment is locked in for 5 years; interest compounds annually and is paid out at maturity. It's part of the Government's small savings basket.
What is the current NSC interest rate?
As of FY 2025-26, NSC offers 7.7% p.a. compounded annually. Rates are revised by the government every quarter and apply to new certificates issued in that quarter — once you buy, your rate is locked for the full 5 years.
Are NSC investments tax-free?
The investment qualifies for Section 80C deduction (up to ₹1.5 lakh/year). Interest accrued each year is taxable but is also deemed reinvested and qualifies for 80C in subsequent years (except the final year). The maturity amount is taxable.
Can I withdraw NSC before 5 years?
Premature withdrawal is generally not allowed except in specific cases — death of holder, court order, or forfeiture by gazetted government officer. Otherwise, you must hold to maturity. NSC can be pledged as collateral for loans.
NSC vs PPF vs FD?
PPF (15-year, ~7.1%, fully tax-free EEE) suits long horizons. NSC (5-year, ~7.7%, taxable) suits medium horizons with 80C benefit. Bank FD (1–10 year, ~6–7.5%, taxable) is most flexible. NSC offers the highest fixed-rate guarantee for the 5-year bucket.

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