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Calculate National Savings Certificate maturity value, interest accrual, and 80C tax savings
Minimum: ₹1,000
Current NSC rate: 7.7% (Q1 FY 2025-26)
Investment
₹1,00,000
Total Interest
₹44,903
Maturity Value
₹1,44,903
80C Benefit (1st Year)
₹1,00,000
₹1,44,903
Maturity after 5 years
₹1,38,300
Comparable FD at current rates
₹6,17,134
PPF maturity for same investment
National Savings Certificate (NSC) is a fixed-income investment scheme offered by India Post. It is a secure and low-risk savings instrument with a fixed tenure of 5 years, making it ideal for conservative investors looking for guaranteed returns and tax benefits.
7.7% per annum (compounded annually)
5 Years (Fixed)
₹1,000
Eligible under Section 80C (First Year Only)
Taxable as "Income from Other Sources"
Annual compounding
Not allowed (except death, court order)
Available from banks
Can be transferred from one person to another
While the initial investment qualifies for Section 80C deduction, the interest earned on NSC is taxable. However, the accrued interest (except the final year's interest) is deemed reinvested and therefore also qualifies for Section 80C deduction in subsequent years, providing a cascading tax benefit.
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