NSC Calculator
7.7% Fixed Returns
Government Backed
Calculate NSC maturity with year-by-year interest accrual. 80C eligible, 5-year fixed tenure, sovereign guarantee — better than most bank FDs.
NSC Calculator
National Savings Certificate — 7.7% p.a. | 5-Year Tenure | 80C Eligible
NSC at a Glance
National Savings Certificate — key facts and comparison
| Year | Opening Balance | Interest Accrued | Closing Balance | 80C Deductible? |
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NSC Guide
Complete guide to National Savings Certificate — taxation, benefits, and comparison
What is NSC?
National Savings Certificate is a post office savings instrument backed by the Indian government. Fixed 5-year tenure at 7.7% p.a. Interest is compounded annually but only paid at maturity. Highly safe (sovereign guarantee).
Tax Treatment
- Investment: 80C deduction (Old Regime, up to ₹1.5L)
- Accrued Interest: Taxable at slab rate each year
- Re-investment: Accrued interest deemed re-invested — 80C eligible in years 1-4
- Maturity: Only final year interest is taxable
NSC Formula
NSC vs Other 80C Options
- vs FD: NSC usually higher rate + 80C benefit
- vs PPF: PPF is EEE (fully tax-free); NSC interest is taxable
- vs ELSS: ELSS has market risk but higher potential returns
- Best for: Conservative investors wanting safe 80C + fixed returns
Frequently Asked Questions
NSC questions answered — rates, tax, comparison
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