How NSC Calculator Works

The NSC (National Saving Certificate) Calculator helps you estimate your investment growth over time. By entering your investment amount, duration, interest rate, and compounding frequency, the calculator computes your maturity value, total interest earned, and provides a year-wise breakdown of your investment.

Input Fields Explained:

• Investment Amount (₹): The principal amount you plan to invest in NSC.
• Investment Duration (Years): The total period you will keep your funds invested.
• Interest Rate (%): Annual NSC interest rate offered by the government.
• Compounding Frequency: How often interest is compounded—annually or half-yearly.

Calculated Fields Explained:

• Maturity Value (₹): The total amount you will receive at the end of the investment period, including principal and interest.
• Total Interest Earned (₹): Total interest accumulated over the investment duration.
• Year-wise Breakdown: Table showing principal, interest earned, and total value at the end of each year.
• Graph: Visual representation of principal vs interest earned.

Example:

Suppose you invest ₹1,00,000 in NSC for 5 years at an annual interest rate of 7% with half-yearly compounding.

• Year 1: Principal = ₹1,00,000, Interest ≈ ₹7,122, Total ≈ ₹1,07,122
• Year 2: Principal = ₹1,00,000, Interest ≈ ₹7,632, Total ≈ ₹1,14,754
• Year 3: Principal = ₹1,00,000, Interest ≈ ₹8,184, Total ≈ ₹1,22,938
• Year 4: Principal = ₹1,00,000, Interest ≈ ₹8,780, Total ≈ ₹1,31,718
• Year 5: Principal = ₹1,00,000, Interest ≈ ₹9,422, Total ≈ ₹1,41,140

At the end of 5 years, your maturity value will be approximately ₹1,41,140 with total interest earned of ₹41,140.

Why Use This Calculator?

• Plan your savings effectively and understand the returns from NSC.
• Compare different investment durations and interest rates to maximize returns.
• Visualize growth over time with charts and tables for better planning.
• Download year-wise data for record-keeping or tax planning purposes.