Can I withdraw NSC before 5 years?

NSC has a fixed 5-year lock-in with very limited premature withdrawal exceptions (such as the holder's death), so it should be treated as a fixed-term investment.

Is NSC interest taxable?

Yes — NSC interest is taxable each year as it accrues (except the final year's interest, which is taxed at maturity), though it also qualifies for Section 80C deduction in most years except the last.

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Savings & investments

NSC Calculator

NSC is a fixed 5-year post office savings instrument with annual compounding — see what your investment matures to.

Investment details

Investment amount ₹1,00,000

Interest rate (annual) 7.7%

Maturity value

Maturity value (after 5 years)

₹0

Principal₹0

Interest earned₹0

How NSC maturity is calculated

A = P × (1 + r)⁵
P = investment amount, r = annual interest rate ÷ 100 (compounded annually, fixed 5-year term)

NSC has a fixed 5-year lock-in with interest compounded annually but paid out only at maturity (except the final year's interest, which is added to taxable income each year for tax purposes). The interest rate is set by the government and revised quarterly.

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Figures are estimates for planning purposes only and do not constitute financial advice.