NSC Calculator
Calculate National Savings Certificate maturity with compounding interest.
Interest compounds yearly
Investment Tenure
5 Years (Fixed)
NSC Maturity Formula
A = P (1 + r/100)^n
A = Final value at maturity
P = Principal amount invested = ₹ 1,00,000
R/r = Annual interest rate = 7.7% p.a. = 0.0770
N/n = Maturity period / number of years = 5
Your Calculation
Given:
A = final value at the maturity
P = ₹ 1,00,000
R/r = 7.7% p.a. = 0.0770
N/n = 5 years
A = ₹ 1,00,000 (1 + 7.7/100)^5
A = ₹ 1,00,000 × (1.0770)^5
A = ₹ 1,00,000 × 1.4490
A = ₹ 1,44,903
Total principal invested = ₹ 1,00,000
Interest Earned = ₹ 44,903
At the end of 5 years your maturity amount would be: ₹ 1,44,903
Note: The example above is purely indicative and does not guarantee the actual figures.
Maturity Amount
₹1,44,903
• Tax benefit under Section 80C (up to ₹1.5L/year)
• Interest earned is reinvested (no periodic payout)
• Lock-in period of 5 years
• Can be used as collateral for loans
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