NSC Calculator — 7.7% Interest, 5-Year Maturity (2026)
Calculate your National Savings Certificate maturity value at 7.7% p.a. — unchanged for Q2 FY 2026-27 (July 2026). Interest compounds annually and is paid with the principal after 5 years, backed by the Government of India.
How NSC maturity is calculated
NSC interest compounds once a year at 7.7% and the entire amount is paid out at the end of the 5-year term.
₹1,00,000 × 1.077⁵ = ₹1,44,903
NSC maturity value at 7.7% (5 years)
| Investment | Maturity value | Interest earned |
|---|---|---|
| ₹50,000 | ₹72,452 | ₹22,452 |
| ₹1,00,000 | ₹1,44,903 | ₹44,903 |
| ₹1,50,000 | ₹2,17,355 | ₹67,355 |
| ₹5,00,000 | ₹7,24,517 | ₹2,24,517 |
NSC rules at a glance (July 2026, Q2 FY 2026-27)
| Feature | Detail |
|---|---|
| Interest rate | 7.7% p.a., compounded annually, paid at maturity (unchanged 9 quarters) |
| Tenure | 5 years, fixed |
| Investment | Minimum ₹1,000 (multiples of ₹100); no upper limit |
| Tax | 80C up to ₹1.5L (old regime); accrued interest re-qualifies for 80C; no TDS |
| Guarantee | Sovereign — Government of India small-savings scheme |
Frequently asked questions
What is the NSC interest rate in 2026?
The National Savings Certificate earns 7.7% per annum for Q2 FY 2026-27 (July–September 2026), compounded annually and paid at maturity after 5 years. The rate is unchanged for the 9th consecutive quarter.
How much does ₹1 lakh in NSC become in 5 years?
₹1,00,000 invested in NSC at 7.7% grows to ₹1,44,903 at maturity after 5 years — ₹44,903 of interest, using the formula P × (1.077)^5.
Does NSC qualify for Section 80C?
Yes. NSC deposits up to ₹1.5 lakh qualify for 80C in the old regime. Interest accrued each year (except the final year) is deemed reinvested and also qualifies for 80C. Interest is taxable; there is no TDS on NSC.
Is NSC better than a 5-year bank FD?
NSC at 7.7% currently beats the 5-year Post Office Time Deposit at 7.5% and most bank tax-saver FDs. NSC is sovereign-guaranteed and has no TDS, but the money is locked for the full 5 years except in limited cases.
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