NSC calculator: maturity value at 7.7%
Enter what you invest. See what your National Savings Certificate is worth after 5 years, and the interest that also counts for 80C.
- Current rate 7.7%
- 80C on reinvested interest
- Free, no sign-up
Don't miss the 80C on NSC interest
Our experts claim the deposit and the reinvested interest under 80C, and report the interest correctly.
Questions people often ask
Is NSC interest taxable?
Yes. But the interest for years 1 to 4 is treated as reinvested, so it also counts for 80C under the old regime.
Can I break an NSC early?
Only in special cases, such as the holder's death or a court order.
NSC at a glance
5 years, interest compounded yearly.
| Interest rate | 7.7% (Oct–Dec 2026) |
| Minimum | ₹1,000, no maximum |
| Term | 5 years |
| Tax | 80C on deposit and years 1–4 interest; interest taxable |
Last reviewed 8 October 2026. Rates are notified by the Ministry of Finance every quarter; these are for 1 October to 31 December 2026.
- Small savings schemes and interest rates National Savings Institute, Ministry of Finance
- Post office savings schemes India Post
- Tax rules for salaried individuals, AY 2026-27 Income Tax Department
Common questions
What is the NSC interest rate now?
7.7% a year, compounded yearly and paid at maturity, for certificates bought in October to December 2026.
How much does ₹1 lakh in NSC become?
About ₹1,44,903 after 5 years at 7.7%.
Is NSC tax-free?
No. The deposit counts for 80C under the old regime, but the interest is taxable.
Does NSC interest count for 80C?
Yes, for years 1 to 4, because it's treated as reinvested. Year 5 interest doesn't.
Is there a limit on NSC?
No upper limit. The minimum is ₹1,000.
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