NSC calculator
See what a National Savings Certificate matures to over its fixed five-year term, compounded annually at the notified rate, and the interest it earns.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Investment
The lump sum you put into the NSC. There is no upper limit, and it buys a certificate that matures in exactly five years.
- Interest rate
The rate notified for the quarter you buy in. It is fixed for the whole five years — later rate changes do not affect a certificate already bought.
- Read the maturity
The result compounds the rate annually over the fixed five-year term. The tenure is not adjustable because NSC always runs for five years.
Worked example: ₹1 lakh for five years
Investing ₹1,00,000 in a five-year NSC at 7.7%, compounded annually.
What to enter
- Investment
- ₹1,00,000
- Interest rate
- 7.7%
- Tenure
- 5 years (fixed)
What it shows you
- You invest
- ₹1,00,000
- Maturity value
- ≈ ₹1,44,903
- Interest earned
- ≈ ₹44,903
- Rate
- Locked for the full term
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics11 minFixed deposits and small savings schemesFDs, RDs, SCSS, SSY and post office schemes — what each is genuinely good for, how tax changes the answer, and the real return once inflation is counted.
- Fundamental Analysis9 minCFROI: a return on capital that survives inflation and accountingAccounting returns like ROIC are nominal and shaped by a firm’s bookkeeping choices, which makes comparing companies across time and borders treacherous. CFROI tries to fix that by expressing return as a real, inflation-adjusted rate — closer to an economic truth than an accounting one.
- Risk & Psychology11 minEnough: the number almost nobody calculatesMost people invest without ever working out what they are investing toward. The number is calculable, and knowing it changes almost every decision downstream.
- Risk & Psychology11 minGoal-based asset allocationThe decision that matters more than every stock pick combined — how much equity, decided by what the money is for rather than by how you feel.
- Market Basics12 minInvesting in India from abroadNRE and NRO accounts, PIS, repatriation limits and the tax treatment that catches most NRIs out — including the one that applies the moment your status changes.