Sukanya Samriddhi Yojana Calculator
Estimate SSY maturity for a girl child with yearly deposits, 15 deposit years, and 21-year maturity.
Use5-year post office tax saver
NSC Calculator India
Estimate National Savings Certificate maturity, annual compounding, interest accrual, and Section 80C planning for the 5-year certificate.
5 yrs Term₹1,00,000 80C7.7% Rate
Inputs
5-year tax-saving depositNSC Calculator details
Result
Live estimateNSC maturity value
Investment amount₹1,00,000Principal invested in NSC.
Interest earned₹44,903Accrued over 5 years.
First-year 80C₹1,00,000Deposit eligible subject to 80C cap.
Reinvested interest₹34,544First four years may be treated as reinvested.
Maturity term5 yearsNSC certificate term.
Tax noteInterest taxableClaim treatment depends on ITR facts.
Estimate only. NSC tax reporting, interest accrual, reinvested-interest treatment, and withdrawal rules should be verified before filing.
CA check
Planning viewKey assumptions
Deposit₹1,00,000NSC principal used in estimate.
Interest rate7.7%Rate is locked for the certificate.
CompoundingAnnualInterest accrues yearly and pays at maturity.
Deposit ₹1,00,000Interest ₹44,903
Projection
5 rowsNSC annual accrual
Shows yearly accrued interest and closing certificate value.
| Year | Opening | Interest | Closing | Interest eligible for 80C planning |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹7,700 | ₹1,07,700 | ₹7,700 |
| 2 | ₹1,07,700 | ₹8,293 | ₹1,15,993 | ₹8,293 |
| 3 | ₹1,15,993 | ₹8,931 | ₹1,24,924 | ₹8,931 |
| 4 | ₹1,24,924 | ₹9,619 | ₹1,34,544 | ₹9,619 |
| 5 | ₹1,34,544 | ₹10,360 | ₹1,44,903 | ₹0 |
NSC Calculator India guide
Use this page for NSC calculator, National Savings Certificate calculator, NSC maturity calculator, NSC interest calculator, post office NSC calculator, and 80C NSC calculator keywords.
NSC is often compared with tax-saver FD and PPF. The key distinction is that NSC interest is taxable, but interest for the first four years is commonly treated as reinvested for Section 80C planning, within the overall cap.
NSC suits investors who want a fixed 5-year government-backed product and can handle tax reporting of accrued interest.
NSC Calculator FAQs
Is NSC interest taxable?
Yes. NSC interest is taxable, though the first four years' accrued interest is commonly treated as reinvested and may fit within 80C limits.
Does NSC rate change after purchase?
The rate applicable to your certificate is generally locked at purchase for the 5-year term.
Can NSC be withdrawn early?
Premature withdrawal is usually restricted to specific cases such as death or court order.