National Savings Certificate Calculator 2025

National Savings Certificate (NSC), which is also called a savings bond scheme is a fixed-income investment scheme, encourages small to mid-income investors to invest while saving on income tax under Section 80C. You can activate or avail this scheme at any Post Office in India. The NSC plan is backed by the Government of India, hence, it guarantees good returns. The lock-in period is five years. Investing in NSC qualifies for section 80C tax deduction up to Rs. 1.5 lakhs and the interest earned can be calculated using Fintra's NSC interest rate calculator. NSC, like other fixed-income instruments like PPF and Post Office FDs, is a low-risk investment vehicle. The minimum required deposit is Rs. 100, and there is no maximum investment limit. For NSC investments there is also no TDS.