NSC Calculator (Hindi)
National Savings Certificate — 5 वर्ष में Maturity Amount और 80C Tax
Saving।
NSC Interest Rate (Q4 FY 2025-26): 7.7% प्रति वर्ष (Annually Compounded, 5 Year Fixed)
| वर्ष |
Opening |
ब्याज (80C में) |
Closing |
80C Trick: NSC का ब्याज Year 1–4 तक re-invested
माना जाता है, इसलिए वह ब्याज भी 80C में deductible है!
NSC vs FD vs PPF — तुलना
| Feature |
NSC |
Bank FD (5yr) |
PPF |
| Current Rate |
7.7% |
6.5–7.5% |
7.1% |
| 80C Deduction |
✅ हाँ |
✅ (Tax Saver FD) |
✅ हाँ |
| Interest Taxable |
Year 5 में taxable |
हर साल taxable |
Tax-Free |
| Lock-in |
5 वर्ष |
5 वर्ष |
15 वर्ष |
| Premature Withdrawal |
Limited |
Penalty के साथ |
7th year से partial |
| Max Investment |
No Limit |
80C: ₹1.5L max |
₹1.5L/year |