NSC Calculator
National Savings Certificate — Post Office safe & tax-saving investment
Investment Parameters
Investment Amount₹1,00,000
Interest Rate (p.a.)7.7%
Duration (5 year lock-in)5 Yrs
Invested
₹1.00L
Interest
₹45.0K
Maturity
₹1.45L
Tax Saved*
₹46.2K
Gain %
45.0%
Multiple
1.45x
NSC Features
Principal
Interest
Issued by
Post Office
Lock-in
5 Years
Min Amount
₹1,000
Max Limit
No Limit
80C Benefit
Yes, ₹1.5L
Compounding
Annual
Year-wise Accrual Statement
| Year | Opening (₹) | Interest Accrued (₹) | Closing (₹) | Taxable Interest* |
|---|
*Interest accrues annually and is deemed reinvested (qualifies as 80C for yrs 1-4). Interest in yr 5 is fully taxable at maturity.