NSC Calculator
National Savings Certificate maturity at 7.7% (Q2 FY 2026-27), compounded annually, 5-year tenure.
Investment
Min ₹1,000, no maximum
Q2 FY 2026-27: 7.7%
NSC has a fixed 5-year tenure
Rate & data freshness
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
Maturity value
₹1,44,903
after 5 years @ 7.7%
- Principal
- ₹1,00,000
- Interest earned
- ₹44,903
Interest is reinvested every year and paid entirely at maturity. 80C-eligible.
Principal vs interest
- Principal
- Interest
Total: ₹1.45 L
Year-by-year growth
How the math works
Maturity = P × (1 + r)⁵
- P
- Deposit amount
- r
- Annual rate (7.7% currently)
- 5
- Fixed 5-year tenure
How it works
- 1
Enter your one-time investment (minimum ₹1,000, no upper cap).
- 2
CalcPe uses the notified 7.7% rate — editable if you want to model a future change.
- 3
Interest is compounded annually and reinvested each year.
- 4
You get the full maturity amount at the end of 5 years.
A quick walkthrough
Inputs
₹1,00,000 invested in NSC for 5 years at 7.7%.
Steps
- Maturity = 1,00,000 × (1.077)⁵
- (1.077)⁵ ≈ 1.4493
- Maturity ≈ ₹1,44,930
Result
Maturity ≈ ₹1,44,930 · interest earned ≈ ₹44,930 (all paid at end).
Why CalcPe’s NSC Calculator
- Sovereign-guaranteed — capital safe.
- Section 80C deduction on the deposit (up to ₹1.5 L).
- Fixed rate — insulated from equity volatility.
- Interest reinvested each year is also 80C-eligible (except the final year).