No paid rankings
Methodology disclosed
SEBI-compliant
228+ researched articles
Calculate returns on your National Savings Certificate. Determine maturity value and interest accrued over the 5-year tenure.
NSC is a fixed-income investment scheme that you can open with any Post Office. It is a Government of India initiative to encourage small savings in the country. It comes with a fixed maturity period of 5 years.
As of Q4 FY 2025-26, the interest rate for NSC (VIII Issue) is 7.7% per annum. The interest is compounded annually but payable at maturity. The Government revises the interest rates every quarter.
The interest earned on NSC is taxable under 'Income from Other Sources'. However, the interest earned for the first 4 years is deemed to be reinvested and hence qualifies for tax deduction under Section 80C (within the ₹1.5 Lakh limit). The interest earned in the 5th year is fully taxable.
The minimum investment amount is ₹1,000. There is no maximum limit for investment in NSC. You can invest any amount in multiples of ₹100.
Premature withdrawal from NSC is generally not allowed before the 5-year maturity period, except in specific cases like the death of the holder or a court order.
⚠️ Important Disclaimer: InvestingPro is not a registered investment advisor or SEBI-registered entity. Content is for educational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional before making investment decisions. Read full disclaimer →