Deposits & Savings calculator
NSC Calculator
The National Savings Certificate is a 5-year Post Office savings scheme with interest compounded annually and paid at maturity.
Your details
Investment
₹1,00,000
Total interest
₹44,903
Maturity value (5 years)
₹1,44,903
Breakup
- Investment₹1,00,000 (69%)
- Interest₹44,903 (31%)
Interest is compounded annually and paid at maturity. Interest accrued in the first four years is treated as reinvested for tax purposes under the old regime.
Year-wise NSC value
Year-wise interest
| Year | Opening balance | Interest for the year | Closing balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹7,700 | ₹1,07,700 |
| 2 | ₹1,07,700 | ₹8,293 | ₹1,15,993 |
| 3 | ₹1,15,993 | ₹8,931 | ₹1,24,924 |
| 4 | ₹1,24,924 | ₹9,619 | ₹1,34,544 |
| 5 | ₹1,34,544 | ₹10,360 | ₹1,44,903 |
Formula used
- A = P × (1 + r)⁵
- Interest is compounded annually and paid at maturity.
Assumptions
- Default rate 7.7% p.a. (October–December 2026 quarter). The rate is fixed for the full term on the date of purchase.
- Government reviews small savings rates every quarter.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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