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NSC Calculator
Estimate the maturity value of a National Savings Certificate. Interest is compounded annually and paid at maturity.
Calculate National Savings Certificate maturity value.
Free to run · to save projections to your live dashboard
Enter values and click Calculate to see results
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- Investment Amount
- ₹1,00,000
- Interest Rate (% p.a.)
- 7.7
- Tenure (Years)
- 5
- Result
- Investment
- ₹1,00,000
- Interest Earned
- ₹44,903
- Maturity Amount
- ₹1,44,903
Formula
A = P × (1 + r)^t
- A = maturity amount
- P = amount invested
- r = annual interest rate / 100
- t = tenure in years
Assumptions
- Interest compounds once a year and is paid with the principal at maturity.
- The rate is fixed at purchase for the whole tenure. The rate field is pre-filled at 7.7% p.a. as a starting value, not a quoted rate.
- Tax treatment of the investment and the reinvested interest is not modelled.
- Results are rounded to two decimal places.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
NSC Calculator FAQ
Answers about how this calculator works.
How is NSC interest compounded?
This calculator compounds interest annually, which matches how NSC interest accrues and is reinvested each year until maturity.
Does the NSC rate change after I buy it?
The rate is generally fixed for a certificate at the time of purchase, while new certificates follow the latest notified rate. Enter the rate that applies to your certificate.
What tenure should I enter?
NSC has a 5-year term, which is the default. You can change it to compare other periods.
Is NSC interest taxable?
Tax rules for NSC depend on your regime and are not applied here. The result is a pre-tax estimate.