NSC Calculator

Amount invested

Rate of interest (p.a)


Time Period (2022)


Compound Frequency

Tenure will be fixed at 5 years.

Total Investment


Total interest


Maturity Amount


What is an NSC Calculator?

NSC or National Saving Certificate is a savings bond scheme that offers fixed interest at low risk. The NSC interest calculator is an online tool that calculates the maturity value of NSC invested in post offices over 5 years. The interest is compounded every six months and it is reinvested in the scheme. This makes calculating NSC interest and maturity amount time-consuming and tedious. Navi NSC calculator is user-friendly, and accurate and helps you determine the total amount you will receive at maturity. Just enter the amount invested, rate of interest and compounding frequency. The NSC calculator will display the results instantly.

How to Calculate NSC Interest Amount?

The online NSC calculator offers an easy-to-use interface. It helps calculate the NSC interest amount you could accumulate by the end of the maturity period, which is 5 years. This essentially helps you understand the amount you need to invest in order to reach your financial goal by the end of the selected tenure.

Follow these steps to use the NSC calculator:

Select the amount

Slide the bar to select the amount you want to invest

Select the rate of interest

Next, slide the bar to select the rate of interest

Select the compounding frequency

Select yearly or half-yearly compounding frequency

Based on your input, the NSC calculator will display the total interest earned and the total maturity value that you will receive after 5 years.

What is the Formula to Calculate NSC Interest?

Since the interest earned on an NSC investment is compounded yearly or half-yearly, the compound interest formula is used to compute the returns on NSC investments, which is
A = P(1 + r/100)^n, where A = Final value at the maturity, P = principal amount invested, r = Rate of interest applied and n = number of years (the maturity period).

For instance, Assume you deposit ₹1 lakh in a 5-year National Savings Certificate with a 6.8% interest rate.
Maturity Amount = ₹1,00,000[1+ 6.8/100]^5 = ₹1,46,254
The total interest earned = ₹(1,46,254 – 1,00,000) = ₹46,254

Advantages of Using Navi NSC Calculator

Navi’s NSC calculator can calculate the maturity amount in seconds. Here are a few benefits of using an NSC calculator:

Easy-to-use interface

All you have to do is enter the correct information, and the maturity amount is calculated and displayed on your screen

Saves time

You don't have to manually calculate the returns. Navi’s calculators are capable of performing complex calculations in seconds

Helps you plan better

It eliminates the probability of human error and gives accurate and precise results, provided the information provided by you is correct

Frequently asked questions

The National Savings Certificate (NSC) is a fixed-income investment scheme that can be opened at any post office. This is a scheme of the Government of India. It is a savings bond that encourages its holders or users to invest for the future while saving tax.
Anyone looking for a safe investment route to get a consistent return while saving taxes might invest in NSC. The government has made NSC widely accessible to prospective investors by placing it at post office offices around the country.
Investments in the National Savings Certificate of up to ₹1.5 lakh might earn the subscriber a tax rebate under Section 80C. Furthermore, the interest received on the certificates is added back to the initial investment and is tax deductible.
You cannot now subscribe to NSC online. To open an NSC account, you must go to the nearest Post Office, fill out the NSC application form, and submit it to the executive.
When you submit the application form to open the NSC account, along with the KYC documents, you will be required to make a payment. Once everything is completed, the Post Office branch will issue you the NSC certificate.

NSC has a 5-year lock-in period, which means it cannot be removed before maturity. NSC can be withdrawn early as an exception only under the following circumstances:

  • On forfeiture by a Gazetted officer pledgee
  • The demise of a single account, or any or all of the account holders in a joint account
  • On the court’s order
The certificates earn an annual fixed interest rate of 6.8% per annum (updated quarterly by the government), ensuring a consistent income for the investor.
Disclaimer : Navi does not guarantee accuracy, completeness or correct sequence of any of the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness/accuracy. The use of any information set out is entirely at the User’s own risk.


Jan 1

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