National Savings Certificate maturity. The NSC Calculator takes amount invested, interest rate, term and returns maturity value plus interest earned. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Government-backed schemes publish their interest rates quarterly and market-linked funds do not guarantee returns. Enter the current rate for the scheme and treat market-return assumptions as scenarios rather than promises. Use the worked example below to check the maths against your own figures.
How the NSC Calculator works
National Savings Certificates compound yearly for five years and pay out at maturity. The deposit and the reinvested interest of the first four years qualify under 80C; the interest is taxable.
Worked example
With the example values (amount invested of ₹100,000, interest rate of 7.7%, term of 5), the maturity value is ₹144,903.38; interest earned ₹44,903.38. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
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Frequently Asked Questions
How is maturity value calculated?
maturity = amount × (1 + rate)5.
Which figures do I need?
Amount invested, interest rate, term. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Is the interest rate fixed?
Small-savings rates are reviewed by the government every quarter and bank rates change with policy; market-linked schemes have no fixed rate at all. Enter the current rate for your scheme and revisit the result when rates change.
