₹10,000 for 5 years
₹10,000 × 1.077⁵ is ₹14,490, matching India Post's ₹14,490.
National Savings Certificate (NSC) calculator
1 lakh
%
7.7% for Oct–Dec 2026.
Maturity value
₹1,44,903
₹44,903 of interest after 5 years.
- Year 1
- ₹1,07,700
- Year 2
- ₹1,15,993
- Year 3
- ₹1,24,924
- Year 4
- ₹1,34,544
- Year 5
- ₹1,44,903
NSC or KVP?
NSC locks money for 5 years at 7.7%. KVP doubles it in 115 months at 7.5%, with no tax deduction on the deposit.
Sources
What this calculator does not account for
- Tax on the accrued interest, which depends on your regime.
- Early encashment, allowed only in special cases.
- Rate changes after purchase, which do not affect an existing certificate.
How this is calculated
Formula: Annual compounding for 5 years
maturity =deposit × (1 + rate)^5What the symbols mean
- depositFrom ₹1,000, in multiples of ₹100. No upper limit.
- rate7.7% a year for Oct–Dec 2026.
Good to know
- Rates for 1 October – 31 December 2026, unchanged from the previous quarter. The government reviews them every quarter; a deposit keeps the rate it was opened at.
- ₹10,000 matures at ₹14,490, the figure India Post publishes.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
₹1.5 lakh in NSC
₹1,50,000 grows to ₹2,17,355. The interest is ₹67,355, of which the first year alone is ₹11,550.
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<iframe src="/embed/nsc" title="NSC" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What does ₹1 lakh in NSC become?
About ₹1,44,903 after 5 years at 7.7%.
Is NSC interest taxed?
Yes, at maturity or yearly on accrual. In the old regime the deposit and the reinvested interest of the first four years count toward the 80C-type limit.
Is there TDS on NSC?
No. You report the interest yourself.