NSC Calculator
NSC Calculator 2025: Calculate your National Savings Certificate maturity value. Plan your investments with our easy-to-use NSC calculator for 2025.
NSC Calculator
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The National Savings Certificate (NSC) is a popular fixed-income investment option in India. This program can be started at a Post Office of your choice, and it is guaranteed by the Government of India (returns are guaranteed). The NSC scheme is designed to incentivize low- to moderate-income segments to save effectively. NSC can be good to the investors as well, and contributions up to Rs 1.5 lakhs are deductible under Section 80C of the Income Tax Act.
NSC has a five-year lock-in and bears interest at a rate of 7.7%, currently Fixed. Similar to the PPF and Post Office Fixed Deposits (FDs), it is considered a safe investment option, like other low-risk fixed-income options. The minimum investment in NSC is Rs 100, and there is no cap on the maximum investment as well. Moreover, the NSC investment is a Tax Deducted at Source (TDS) free instrument, which is a draw for savers.
What is the NSC Calculator, and How Does it Help You
National Saving Certificate (NSC) has interest compounded annually. You will be paid the interest at the end of the five years. Your investment earns a return, and every year, the interest is deposited back into your account. Enter the amount of your investment in NSC Calculator 2025. The term is fixed for five years, and the total amount you will make from the investment when it matures is what this calculator will show u based on the interest rates.
This calculator will tell you exactly how much you will be paid at maturity
You can check instantly whether, over time, this plan is going to meet your financial goals.
How Does the NSC Calculator Work?
The NSC Interest Rate Calculator is a quick online tool that calculates the interest and principal an investor will earn at maturity based on the investment made in the NSC scheme. This calculator operates within the framework of the Government of India scheme, where you can enter the interest rate and investment amount to calculate the correct interest earned.
How to Use the NSC Calculator
Using the national savings certificate calculator, you will follow four simple steps.
Step 1: Start by entering the monthly amount you want to invest.
Step 2: The next step is to put the interest rate on the investment
Step 3: Last but not least, tell how long you are planning to keep that bond.
After you enter this information, the calculator will estimate your potential earnings. It will display the total investment you have made in the National Savings Certificate, the interest earned, and the maturity value of your investment.
Advantages of Using NSC Calculator
Computing the interest and maturity amount of an NSC can be a tedious process. Interest is compounded yearly. The interest is reinvested in new investments. Five years later investor is paid the interest and principal. In fact, an investor should ask how much his NSC investment has gained. The advantages of using the calculator are as follows:
It’s simple and easy to use
Helps you save time in performing those calculations yourself.
It is accurate, and you do not have to test the solution with your eyes.
Cost Free & Access from anywhere you want
NSC (National Savings Certificate) – FAQ
Your guide to National Savings Certificate.
1. Does NSC double in 5 years?
No, NSC will not double in 5 years. Interest rates are typically around 6.8% per annum, so it will not double in that time.
2. Which is better, 5-year FD or NSC?
It depends on personal requirements. Typically, FDs offer slightly better returns, and liquidity is available with NSC under Section 80C.
3. What will be the value of a 1 lakh NSC after 5 years?
For 5 years at a rate of interest of 6.8%, a ₹1 lakh NSC will amount to approximately ₹ 1,48,400.
4. How is NSC calculated?
The interest of NSC accrues annually and the amount is calculated on the following formula:
A = P(1+r)n
Where A is the maturity amount, P is the principal, r is the interest rate, and n is the number of years.
5. Is NSC a good investment?
For a risk-averse individual seeking a fixed return and tax benefits, an NSC is a good investment and may be best for you.
6. Which is better, NSC or KVP?
NSC is beneficial for tax benefits, whereas KVP (Kisan Vikas Patra) offers high interest and is suitable for long-term savings without any tax benefits. It completely depends on your finances (or goals).