NSC Calculator
Put in your amount and rate, see what your National Savings Certificate is worth after 5 years.
How NSC works
NSC is a post office savings certificate you buy for a fixed 5 years. You put in a lump sum, interest compounds annually on it, but you don't see any of that money until the 5 years are up. At maturity, you get back your original amount plus all the interest that built up inside.
The deposit qualifies for 80C deduction up to ₹1.5 lakh. Here's the nice part: the interest earned in years 1 through 4 is treated as "reinvested," so it also counts for 80C each year. Only the last year's interest shows up as taxable income. The rate changes quarterly. For the latest rate and rules, see the India Post NSC page.
Common questions
Is there a cap on how much I can invest?
No cap. Start from ₹1,000 and buy as many certificates as you want. They come in multiples of ₹100. Keep in mind that the 80C deduction only covers ₹1.5 lakh per year.
When do I get the interest?
Only when the certificate matures after 5 years. The interest builds up inside the certificate every year but nothing gets paid out until then. That's what makes it different from a bank FD where you can choose monthly or annual payouts.
Can I break it before 5 years?
Normally, no. The only exceptions are if the certificate holder dies, a court orders it, or it's seized by a government officer. You can pledge NSC as collateral for a bank loan without breaking it.
Add NSC Calculator to your website
Embed this free NSC Calculator on your site or blog. Just copy the code below, paste it into your page, and your visitors can use the calculator without leaving your site.
The widget is responsive and works on WordPress, Squarespace, Wix, Webflow, and any HTML page. You can adjust the width and height in the code above.