📜 NSC Calculator
The National Savings Certificate is a 5-year post-office instrument at a government-set rate — currently 7.7% (July–September 2026) — compounded annually and paid at maturity. The deposit qualifies for 80C, and accrued interest (except the final year's) is deemed reinvested and also 80C-eligible under the old regime.
Rules & rates verified 8 July 2026 · official rate for July–September 2026 (Q2 FY 2026-27)
Inputs
Results
⚠️ Educational use only. Results are close estimates based on the latest published rules and standard conventions — actual figures can differ with rounding, fees, exact dates and future rate/rule changes. This is not investment, tax or legal advice; consult a SEBI-registered adviser or CA.
How it's calculated
A = P × (1 + 7.7%)⁵. The year-wise table shows accrued interest, which is taxable each year but 80C-deductible as reinvested (years 1–4).
Frequently asked questions
What is the current NSC rate?
7.7% per annum for the July–September 2026 quarter, compounded annually over the fixed 5-year term.
NSC vs 5-year tax-saver FD?
NSC (7.7%) currently beats most bank tax-saver FDs (~6.5-7%), and its reinvested interest gets fresh 80C benefit. Both are slab-taxed on interest; both lock for 5 years.
