NSC Calculator 2026: growth over 5 years
Invest once in the National Savings Certificate and get a guaranteed return after 5 years. No maximum limit. Tax benefit every year.
What makes NSC different
NSC has no maximum limit. Interest is reinvested every year, and the reinvested interest also qualifies for the Section 80C deduction. The certificate can be used as collateral for a bank loan.
Key rules
- Minimum Rs. 1,000, no maximum limit
- 5-year maturity
- Reinvested interest also gets the 80C benefit
- Can be pledged as loan collateral
- Available at Post Offices and through India Post internet banking
Frequently asked questions
How is NSC taxed?
Deposits qualify for 80C. The interest reinvested each year (except the final year) also qualifies for 80C. The maturity amount is taxable.
NSC vs KVP?
NSC: 80C benefit, 5-year term. KVP: no tax benefit, money doubles in about 9.5 years. Choose NSC to save tax, KVP to double your money.
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Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.