Calculadora NSC

⚠️ Not financial advice. Results are illustrative only and should not be used as the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant before acting on any figure shown.

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.

Who should invest in NSC

NSC suits conservative investors who need a 5-year fixed-rate instrument within the 80C basket but have already maxed out PPF for the year. Salaried individuals in the 30% tax bracket benefit most — the effective post-tax yield at 7.7% stays ahead of most bank FDs of similar tenure after accounting for the 80C deduction on the investment. Retired individuals with taxable income below ₹5 lakh can invest in NSC and claim the full 80C deduction while paying minimal or zero tax on the final-year interest, making the effective yield close to the headline rate.

NSC vs PPF vs Bank FD — choosing the right 5-year option

PPF (15-year, ~7.1%, fully EEE tax-free) beats NSC if you can lock money away for 15 years. For a strictly 5-year horizon, NSC at 7.7% beats bank FDs (typically 6.5–7.25% at major banks) and comes with the 80C benefit. The catch: NSC interest is not liquid — you receive it only at maturity. If you need annual income, SCSS (for seniors) or a bank FD with quarterly payout is a better fit. For medium-term goals like a child's school fees in 5 years or a planned home renovation, NSC locks in the rate and removes the temptation to break the deposit early.

How to invest in NSC

NSC can be bought at any Department of Posts (India Post) branch or through the India Post internet banking portal. You can purchase certificates in multiples of ₹1,000 with no upper limit per person. After April 2016, NSC is issued in Demat form (e-NSC) and credited to your post office savings account — physical certificates are no longer issued. Nomination facility is available. NSC can be pledged as collateral for loans from banks and NBFCs, making it a useful asset even before maturity.

Preguntas frecuentes

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.