How this calculation works
Estimate the five-year maturity of a single NSC investment with interest retained and compounded annually. This page fixes the horizon at five years, unlike the general fixed-deposit calculator. The result is the maturity amount, not a series of annual cash interest payments.
Worked example
This example uses illustrative inputs. Your current result is shown above.
For ₹1,00,000 at an entered 7.7% annual rate, five-year maturity = ₹1,00,000 × 1.077⁵ = ₹1,44,903.38. Accrued interest is ₹44,903.38. The illustration uses the entered rate rather than fetching a purchase-date rate.
Assumptions and limits
- One investment remains for the full five-year term, with annual compounding.
- The entered rate applies throughout the projection; confirm the rate applicable to the certificate’s issue date.
- Tax, deductions, rounding on an actual certificate and early-closure exceptions are outside the calculation.
Questions people ask
Do I receive the displayed interest each year?
No. The model accumulates interest into the final maturity balance. It does not create an annual interest payout.
Does this work for several certificates purchased on different dates?
Each purchase has its own starting date and potentially its own rate. Calculate each separately before combining their maturity amounts or planning when cash becomes available.