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23percent club is a financial education platform. Nothing on this site is investment, tax or legal advice, or a recommendation to buy or sell any security. Calculators show illustrative projections using the assumptions you enter; actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Consult a SEBI-registered investment adviser before making investment decisions.

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NSC calculator

C

NSC calculator

National Savings Certificate at 7.7%.

Amount invested

₹

Rate of interest

%

Maturity value

₹1,44,903

₹1.45 lakh

after the 5-year lock-in

Invested amount: ₹1,00,000
Total interest: ₹44,903

NSC interest is reinvested each year. In the old regime, the deposit and every year's reinvested interest except the last qualify for 80C.

Invested amount₹1,00,000
Total interest₹44,903

What this calculates

The National Savings Certificate is a 5-year post office deposit. Interest compounds yearly and is paid at maturity.

How it's calculated

A = P × (1 + r)⁵

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

7.7% a year, compounded annually.

Learn the idea behind itModule 9: TaxationHow Indian income tax works, the old and new regimes, and how your investments are taxed.3 lessons and a quiz, about 24 minutes

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