⌖ Finance & Investments
NSC Calculator.
National Savings Certificate maturity at the current rate.
⌖ Inputs
⌖ Fixed tenure
5 years, compounded annually.
The rate above is current as of Q3 FY 2025-26 (7.7%). It is revised quarterly — verify on indiapost.gov.in before investing.
⌖ Result
Maturity value
₹1,44,903
After 5 years at 7.70% compounded annually.
Principal invested
₹1,00,000
Total interest earned
₹44,903
Maturity value
₹1,44,903
⌖ Year-wise growth
§80C eligibility. Investment in NSC qualifies for deduction under §80C (Old Regime, up to ₹1.5L per FY). Accrued interest in years 1–4 is also re-invested and eligible. The interest paid in year 5 is taxable under "Income from Other Sources."
⌖ §I / Formula
The math,
in the open.
NSC VIII Issue is a five-year small-savings certificate sold by Indian Post, with interest fixed at the time of purchase and credited annually — held back to maturity rather than disbursed year-on-year.
Maturity = Principal × (1 + r)5
The interest rate is notified by the Department of Economic Affairs each quarter (current rate 7.7% for Q3 FY 2025-26). The rate applicable at the time of investment stays locked for the full five-year tenure.
NSC qualifies for §80C deduction under the Old Regime — both the initial investment and the annual accrual that gets re-invested. Year-5 interest is taxable when received.