Calculator
NSC calculator
National Savings Certificate maturity over its 5-year term.
≈ ₹1.00 L
- Maturity value
- ₹1,44,903
- Interest earned
- ₹44,903
- Invested
- ₹1,00,000
- Invested ₹1,00,000(69%)
- Gains ₹44,903(31%)
Year-by-year schedule
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,07,700 |
| 2 | ₹1,00,000 | ₹1,15,993 |
| 3 | ₹1,00,000 | ₹1,24,924 |
| 4 | ₹1,00,000 | ₹1,34,544 |
| 5 | ₹1,00,000 | ₹1,44,903 |
Read this before you act on the number
- Loan Against NSC, KVP and SSY: Pledge Rules, LTV and Rates
Which small savings schemes you can pledge, what banks lend against them, and why a 6.8% NSC earns you only Rs 85 a year at SBI.
- Small Savings Schemes in India: Rates, Rules, Tax (2026)
PPF, NSC, KVP, MIS, SSY and SCSS in one table: rates for Oct-Dec 2026, lock-in periods, withdrawal rules, premature closure penalties and how each is taxed.
Maths: Annual compounding at the notified NSC rate (7.7%); 5-year lock-in with yearly reinvestment. Verify rates against the lender's or fund's current card before acting.
Questions about this calculator
- How does the NSC calculator work?
- Annual compounding at the notified NSC rate (7.7%); 5-year lock-in with yearly reinvestment. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
- Are the default rates current?
- No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
- Is the NSC calculator free to use?
- Yes. It runs in your browser, with no login and no inputs sent to a server.