NSC Calculator

Principal Amount
Total Interest
Total Amount

When it comes to investment, the ideal preference by all investors is such an instrument that offers generous returns with no risks. National Savings Certificate or NSC is one such investment vehicle that allows investors to enjoy a good interest rate and generate healthy returns over the short to medium term. A low-risk investment option, NSC also allows low and medium income earners to invest their savings and earn returns. 

Offered by the post office, NSC also allows investors to enjoy tax benefits. All these features make NSC one of the most preferred investment choices among a number of individuals. If you too are looking to invest in NSC and want to know how much return you can earn, you can use an NSC calculator2022 and get an accurate figure of maturity value from your investments.

NSC Interest Rate Chart

The NSC interest rate is fixed by the government at 6.8% as of now, The interest rate, however, keeps on changing often every year. Here is the NSC interest rate chart of the last 6 years.

PeriodInterest Rate
April 1, 2020 to until now6.8%
July 1, 2019 to March 31, 20207.9%
October 1, 2018 to June 30, 20198.0%
January 1, 2018, September 30, 20187.6%
July 1, 2017 to December 31, 20177.8%
April 1, 2017 to June 30, 20177.9%
November 1, 2016 to March 31, 20178.0%
April 1, 2016 to September 30, 20168.1%

Since interest rate for a particular period is fixed, the return generated and maturity value from NSC investment can be ascertained beforehand.

How to Calculate NSC Maturity Amount?

The interest earned from the investment made in the NSC compound over the years until maturity. Hence, the returns from NSC investment can be calculated using the compound interest formula. The formula to calculate the final maturity value in NSC is:

A = P(1 + r/100)^n


  • A = Final value of the maturity
  • P = Principal invested amount 
  • r = Rate of interest offered
  • n = number of years, i.e. the maturity period

Let us use the formula in an example to get a better understanding:

Suppose you invest Rs 10 lakhs in a 5-years National Savings Certificate that offers an interest rate of 6.8%. By the end of the 5 years, i.e. by the time of maturity, you would have earned a total interest of Rs 3,89,493 and a maturity value of Rs 13,89,493. Calculating NSC returns or maturity value can be complicated and time consuming if done manually. To make things efficient and quick, we can use an NSC interest rate calculator that allows us to estimate returns from NSC investments easily.

What is an NSC Calculator?

An NSC calculator is an online tool that allows you to get accurate figures of return and maturity value from your NSC investment. The calculator comes with a simple interface that makes it easy to use even for a layman. You just need to know the following details and you are all set to go:

  • Invested amount: The total amount of money invested in the NSC, i.e. the principal amount
  • Rate of interest (p.a.): The annual interest rate offered in NSC scheme
  • Time period: The time period of investment, which is fixed at 5 years for NSC
  • Compounding: You have to select the compounding frequency, either it will be done yearly or half yearly

Based on the given inputs, the NSC maturity calculator will do the calculation in a moment and show you the following results:

  • Principal investment: The principal invested amount in the NSC account
  • Total interest: Total amount of interest earned until the maturity
  • Maturity value: The final value of maturity that you will receive after 5 years

The NSC post office calculator or simple NSC calculator also allows you to change the values as many times you want. You can modify the inputs as per your financial plan and get results from the calculator accordingly. You can use the INDmoney NSC calculator online by following the guide in the next section.

How to Use INDmoney NSC Calculator?

Using the INDmoney NSC calculator is as simple as using a normal calculator.

Step 1: Open INDmoney NSC calculator on your web browser using your smartphone or computer.

Step 2: Enter the desired investment amount, and the rate of interest offered. 

Step 3: Select the compounding frequency- yearly or half yearly

That’s all! The INDmoney NSC calculator will calculate and show investment amount, interest earned, and maturity value right at the moment.

Benefits of Using INDmoney NSC Calculator

The INDmoney NSC calculator can help you in the following ways:

  • You do not have to sit with a calculator, enter a formula, and calculate the maturity value of your NSC investment. Just enter the values in the INDmoney NSC calculator and get everything you need to know about your investment returns.
  • The year on investment and interest rate in NSC is fixed at 5 years and 6.8% respectively. Therefore, you do not need to deal with these two values. Just enter the investment amount and know the maturity value instantly.
  • You can also select the compounding frequency as yearly or half yearly. This saves you from adjusting the rate of interest and time period in the NSC calculation formula
  • The INDmoney NSC calculator enables you to modify the values as many times as you want. With this feature, you can compare maturity value against different investment amounts and frame a proper plan based on your investment capacity and financial goal.

NSC is one of the top and most sought after fixed return plans that allows you to contribute even a small sum and earn generous interest that compounds until maturity to give you healthy returns. When it comes to calculating returns from NSC, the post office NSC calculator is the best tool at your disposal. So use the NSC calculator and plan your investment wisely.

Frequently Asked Questions

  • What is the NSC calculator post office?

  • What is the current interest rate offered in NSC?

  • What are the tax benefits in NSC investment?