NSC Calculator
Updated July 2026
Calculate your National Savings Certificate maturity value — a 5-year, government-backed, fixed-return, Section 123 (80C)-eligible investment.
NSC Calculator
Frequently Asked Questions
What is the NSC tenure?
5 years, fixed — NSC cannot be prematurely withdrawn except in specific cases like the holder's death or court order.
Is NSC interest taxable?
Yes, but the interest for the first 4 years is deemed reinvested and qualifies for Section 123 (80C) deduction in that year, so effectively only the final year's interest is taxed without a matching deduction.
Is NSC better than a tax-saving FD?
Both offer similar Section 123 benefits and comparable rates. NSC has no premature withdrawal option, while tax-saving FDs also lock in for 5 years but some banks offer slightly different terms — compare current rates before choosing.