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NSC Calculator
Maturity value of National Savings Certificate (5-year).
Enter values to see your result
Frequently asked questions
How is NSC interest taxed?
Interest earned is taxable as "income from other sources". However, the first 4 years of reinvested interest also qualifies for 80C deduction (rolling renewal of benefit).
Can I withdraw NSC early?
NSC has a 5-year lock-in. Premature withdrawal is allowed only in cases of death, court order, or forfeiture — not for voluntary reasons.
Is there a minimum or maximum investment?
Minimum ₹1,000, no maximum. But only ₹1.5L per year qualifies for 80C deduction.
Can I use NSC as collateral?
Yes, banks accept NSC as collateral for loans. This is a distinct advantage over some other small-savings schemes.