National Savings Certificate is a 5-year fixed-return scheme by India Post, currently offering 7.7% p.a. (FY 2026-27), compounded annually but payable at maturity.

Is NSC eligible for tax benefit?

Yes — investment qualifies under Section 80C (up to ₹1.5L). Interest accrued (except final year) is reinvested and also eligible under 80C.

Can I exit NSC early?

Premature withdrawal is allowed only on death of holder, court order or forfeiture by a Gazetted officer.

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NSC Calculator

Plan your tax-saving NSC investment.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Investment Amount₹1,00,000

₹1K₹1Cr

Interest Rate %7.7%

5%10%

Invested₹1,00,000

Interest Earned₹44,903

Maturity (5 yrs)₹1,44,903

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About this calculator

NSC is a 5-year fixed-return scheme by India Post; investments qualify under Section 80C.

Formula

M = P × (1 + r)^5

Frequently Asked Questions

Everything you need to know about the NSC Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.