National Savings Certificate (NSC) Calculator

Calculate maturity returns and Section 80C tax savings for India Post 5-Year National Savings Certificate (VIII Issue) at the official 7.7% annual compounded rate.

Minimum investment: ₹1,000 (No maximum limit)
Current notified govt rate: 7.7% p.a. (Compounded Annually)
5-Year NSC Maturity Summary
Principal Invested ₹1,00,000
Total Interest Accrued ₹44,903
Guaranteed Maturity Value ₹1,44,903
Qualifies for Section 80C income tax deduction up to ₹1.5 lakh per financial year.

National Savings Certificate (NSC VIII Issue) Features

  • Fixed Tenure: 5 Years with guaranteed returns locked in on the date of purchase.
  • Section 80C Tax Deduction: Deposits up to ₹1,50,000 qualify for deduction under Section 80C of the Income Tax Act.
  • Deemed Reinvestment: The interest accrued in the first 4 years is deemed to be reinvested and also qualifies for Section 80C deductions.
  • Loan Collateral: NSC certificates can be pledged as security/collateral against bank loans at all public and private commercial banks.
  • Sovereign Security: Full capital and interest backed by the Central Government of India.