National Savings Certificate (NSC)
Post office NSC calculator
The National Savings Certificate is a 5-year certificate. Interest is compounded every year and paid with the amount at maturity.
At maturity
₹1,44,903.38
- Interest rate
- 7.7% a year
- Matures in
- October 2031
- Total interest
- ₹44,903.38
- Amount + interest
- ₹1,44,903.38
Agent commission (0.5%) ₹500
For post office agents
Every TD, MIS, NSC and KVP of your customers, in one app
RD Agent’s Small Savings (SAS) records each investment, warns you before it matures, shows the interest due this week and the commission you earn — right next to your RD collection.
- Maturity and interest alerts
- Commission expected, received and due
- Families, nominees and joint holders
- Your customers imported from Excel
National Savings Certificate (NSC) interest rate by date
| Invested from | Rate a year |
|---|---|
| 1 April 2023 | 7.7% |
| 1 January 2023 | 7% |
| 1 April 2020 | 6.8% |
| 1 July 2019 | 7.9% |
| 1 October 2018 | 8% |
| 1 January 2018 | 7.6% |
| 1 July 2017 | 7.8% |
| 1 April 2017 | 7.9% |
| 1 October 2016 | 8% |
| 1 April 2016 | 8.1% |
Rates as notified by the Ministry of Finance (National Savings Institute). The rate of the day of investment stays for the whole term.
Questions people ask
What is the NSC interest rate now?
7.7% a year, compounded every year, for certificates bought now.
What does ₹1,00,000 in NSC become?
About ₹1,44,903.38 after 5 years at 7.7%.
When is the NSC interest paid?
With the amount, at maturity after 5 years.
More post office calculators
An estimate: the post office’s own figures are final. This is not an India Post website.