#1 NSC Calculator: Maximize Your Maturity Value (2025)
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Frequently Asked Questions (FAQs) – NSC Calculator & Maturity Value
1. What is an NSC Calculator?
An NSC Calculator (National Savings Certificate Calculator) is an online financial tool that helps you estimate the maturity value and interest earnings of your investment in the Post Office NSC scheme over a period of 5 years. Simply enter your investment amount, tenure, and the current interest rate to get instant results.
2. How does the NSC calculator determine the maturity value?
The calculator uses the compound interest formula:
A=P×(1+r100)nA = P \times (1 + \frac{r}{100})^n
where:
P = Principal (investment amount)
r = Annual interest rate (currently 7.7% per annum for Q2 FY 2025-26)
n = Tenure in years (usually 5 years)
This determines the final maturity value of your NSC investment.
3. What is the current interest rate for NSC in 2025-26?
For Q2 of FY 2025-26, the NSC interest rate is 7.7% per annum, compounded annually. This rate is fixed for the full 5-year tenure of the certificate at the time of purchase.
4. How can I calculate the maturity value of NSC manually?
You can calculate it using:
Maturity Value = Investment × (1 + Interest Rate/100) ^ 5
Example:
If you invest ₹1,000 at 7.7% for 5 years —
Maturity Value = ₹1,000 × (1.077)^5 = ₹1,449 (approx.)
5. Can I use the NSC calculator for different investment amounts?
Yes. You can use the online NSC calculator for any investment amount, from ₹1,000 to several lakhs. It instantly shows your maturity amount, total interest earned, and year-wise growth.
6. Why should I use an NSC calculator before investing?
Using an NSC calculator helps you:
Estimate returns before investing
Plan financial goals effectively
Compare returns with other small-saving schemes
Avoid manual calculation errors
7. What is the maturity period for NSC investments?
The maturity period for the National Savings Certificate is 5 years. After completion of 5 years, you receive both your principal and interest as the maturity amount.
8. Is NSC interest taxable?
Yes. The interest earned each year is taxable, but it is re-invested automatically and eligible for Section 80C deduction during the tenure. At maturity, the final amount (including interest) is paid to the investor.
9. Can I withdraw NSC before 5 years?
Premature withdrawal is not allowed, except in special cases like the death of the investor or on court orders. Otherwise, the NSC must be held till its full 5-year tenure.
10. How accurate is an online NSC calculator?
The Quick global mart NSC Calculator provide highly accurate estimates based on the latest government-declared NSC interest rates. They are ideal for quick financial planning and goal tracking.
11. Can I see year-wise interest calculations in the NSC calculator?
Yes. Many advanced NSC calculators show a year-by-year interest breakdown, helping you track how your investment grows annually through compounding interest.
12. What happens to my NSC after maturity?
Once your NSC matures after 5 years, you can either redeem it for the maturity amount or reinvest the proceeds in a new NSC or another savings instrument.