Calculate National Savings Certificate maturity value at 7.7% PA. View year-wise interest accrual and plan your Section 80C investments.
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Calculate NSC Maturity
5-year lock-in. Save up to ₹46,500 in tax. Buy at any post office or SBI branch.
| Provider | Type | Why pick this | |
|---|---|---|---|
IPS India Post Office | Government | 7.7% p.a. · 5-year lock-in · tax saver | Buy NSC |
SBI State Bank of India | Bank | NSC services via SBI branch network | Visit SBI |
BoB Bank of Baroda | Bank | NSC purchase + custody services | Visit BoB |
Returns based on government-declared rates and historical performance. Affiliate links — we may earn a commission at no cost to you.
Visit India Post5-year lock-in. Save up to ₹46,500 in tax. Buy at any post office or SBI branch.
| Provider | Type | Why pick this | |
|---|---|---|---|
IPS India Post Office | Government | 7.7% p.a. · 5-year lock-in · tax saver | Buy NSC |
SBI State Bank of India | Bank | NSC services via SBI branch network | Visit SBI |
BoB Bank of Baroda | Bank | NSC purchase + custody services | Visit BoB |
Returns based on government-declared rates and historical performance. Affiliate links — we may earn a commission at no cost to you.
Visit India PostNSC (National Savings Certificate) is a fixed-income investment by the Indian Post Office. It's ideal for risk-averse investors seeking guaranteed returns with Section 80C tax benefits.
NSC currently offers 7.7% per annum (Q1 FY 2024-25), compounded annually but paid at maturity.
NSC interest accrues annually and is deemed to be reinvested (so you can claim 80C deduction on accrued interest each year). The final maturity year's interest is taxable as income.
NSC has a 5-year lock-in vs PPF's 15 years. NSC interest rate (7.7%) is slightly higher than PPF (7.1%). PPF has EEE tax status, while NSC interest is partially taxable. NSC has no upper limit on investment.
5-year lock-in. Save up to ₹46,500 in tax. Buy at any post office or SBI branch.
| Provider | Type | Why pick this | |
|---|---|---|---|
IPS India Post Office | Government | 7.7% p.a. · 5-year lock-in · tax saver | Buy NSC |
SBI State Bank of India | Bank | NSC services via SBI branch network | Visit SBI |
BoB Bank of Baroda | Bank | NSC purchase + custody services | Visit BoB |
Returns based on government-declared rates and historical performance. Affiliate links — we may earn a commission at no cost to you.
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