NSC Scheme to Grow 10000, 25000, 50000 Investment to 14490, 36226 & 72452

NSC Deposit Scheme Illustration

NSC Deposit Scheme Illustration

Your future is important, so investing is crucial as it gives you financial security and a chance to grow your wealth. The National Savings Certificate (NSC) scheme offered by the Indian government is available in Post offices. It can be a smart and secure way to achieve your financial goals. But, you may wonder how much your money can really grow with NSC? Let’s find out! The (National Savings Certificate) NSC scheme calculation examples show that at the current interest rate of 7.7% p.a. compounded annually, if you invest ₹10,000, ₹25,000, or ₹50,000, how much returns can you earn?

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Understanding the Returns on Investments of ₹10,000, ₹25,000, ₹50,000

Below is a table to help you understand how much returns you will be getting with investment amounts of ₹10,000, ₹25,000, or ₹50,000. With an interest rate of 7.7% p.a. that is compounded annually, here’s a breakdown of your investment growth with NSC Scheme Calculation Examples over the 5-year period:

Period Investment of ₹10,000 Investment of ₹25,000 Investment of ₹50,000
1st year ₹10,770 ₹26,925 ₹53,850
2nd year ₹11,599 ₹28,998 ₹57,996
3rd year ₹12,492 ₹31,231 ₹62,462
4th year ₹13,454 ₹33,636 ₹67,272
5th year ₹14,490 ₹36,226 ₹72,452

Please note: The figures above are purely indicative. It does not guarantee the actual figures.

Calculating Returns on NSC Deposits

With the National Savings Certificate, there are two ways by which you can calculate your returns on investment; by using an NSC interest calculator online and by manually calculating using a formula.

Also Read: 6 Best Post Office Saving Schemes To Double The Money

NSC Interest Calculator Online

The NSC interest calculator provides clear-cut calculations to estimate how much your NSC investment can grow over time. Whether you’re a seasoned investor or just starting out, understanding your potential NSC returns is important to achieve your financial goals.

The calculator is a simple and easy to use tool, all you need to do is enter your investment amount, interest rate and investment period.

Formula to Calculate NSC Maturity Amount

If the online calculator feels a little complicated to use, you can try this calculating formula below:


  • A = Maturity Amount
  • P = Your Investment Amount
  • r = NSC Interest Rate – 7.7% p.a.
  • t = Investment Period – 5 years
  • n = Number of times the interest is compounded

Here is an example of the calculation process:

Let the investment amount P = ₹10,000, interest rate ‘r’ = 7.7% p.a., tenure ‘t’ = 5 years and n = 1 year

Through this formula, the maturity amount for an investment of ₹10,000 is ₹14,490. However, please note that the calculation above is merely an example and purely for understanding the calculations. It does not depict  the actual offerings.

For an investment amount of ₹25,000, here is an example of the calculation:

P = ₹25,000

r = 7.7% p.a

t = 5 years

n = 1 year

Inputting the numbers into the formula:

Here, the maturity amount for an investment of ₹25,000 is ₹36,226.

(Please note that the calculation above is merely an example and purely for understanding the calculations. It does not depict  the actual offerings.)

For an investment amount of ₹50,000, here is an example of the calculation:

P = ₹50,000

r = 7.7% p.a

t = 5 years

n = 1 year

Entering the inputs into the formula:

The calculation above shows that with an investment amount of ₹50,000, you will get a maturity value of ₹72,452.

(Please note that the calculation above is merely an example and purely for understanding the calculations. It does not depict  the actual offerings.)

Now that you understand how much returns you can earn on your National Savings Certificate investments, let’s understand if investing in an NSC is right for you.

Is Investing in NSC Right for You?

NSC is a suitable option for investing if you are seeking a safe and reliable investment with a guaranteed return. It’s even more attractive if you have a low-risk appetite or are seeking short-term or medium-term investment goals. To help you better understand if the NSC is the right investment option for you, here are its features and benefits:

  • Interest Rate: The National Savings Certificate interest rate is fixed at 7.7% p.a. set by the government. This interest earned is compounded annually which means the interest you earn every year is added to the principal amount. Thereby giving you high returns at the end of the lock-in period.
  • Lock-in Period: NSC has a lock-in period of 5 years. Whereby you will not be able to withdraw your money before maturity unless under exceptional circumstances.
  • Maturity Amount: At the end of the 5-year term, you receive your principal investment amount back along with the accumulated interest.
  • Safe and Secure: The scheme is backed by the Government of India, giving you a high degree of security for your investment.
  • Tax Benefits: You will be able to claim tax deductions on your NSC investment amount of up to ₹1.5 lakhs under Section 80C of the Income Tax Act.
  • Loan Facility: In case of an emergency where you require financial aid, you will be able to avail loan facilities against your NSC after one year of investment.
  • Minimum Investment: The scheme is accessible to all individuals of various income groups as the minimum investment amount is ₹100.
  • Guaranteed Returns: Unlike market-linked investments, NSC provides a fixed interest rate, ensuring predictable growth.

Also Read: Crorepati Strategy To Turn ₹5,000 into ₹1Crore With SIP

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In Conclusion

If the National Saving Certificate is perfect to reach your investment goals, you can visit your local post office or authorized bank to begin investing in the scheme. Investing in the National Savings Certificate (NSC) can be an important financial decision as it offers a secure way to grow your savings with guaranteed returns. With a fixed interest rate of 7.7% compounded annually, NSC provides a predictable growth for ₹10,000, ₹25,000, and ₹50,000 investment amounts, such as the NSC Scheme Calculation Examples of ₹14,490, ₹36,226, and ₹72,452 respectively. Giving you the confidence to invest in the NSC scheme.

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Frequently Asked Questions for NSC Investments

Q. What is the formula for NSC interest?
The formula to calculate the NSC interest is . Where A is the maturity amount, P is the investment amount, r is the interest rate, t is the tenure and n is the number of times the interest is compounded.

Q. What will be 50000 NSC after 5 years?
NSC Scheme Calculation Examples: Investing ₹50,000 in NSC at an interest rate of 7.7% p.a. will yield a maturity amount of approximately ₹72,452 after 5 years.

Q. What is the maturity amount of 1 lakh in NSC?
The maturity amount for a ₹1 lakh investment amount in NSC will approximately be ₹1,46,932.

Q. What is the interest rate of NSC 10000?
The National Savings Certificate interest rate for ₹10,000 is 7.7% p.a.

Q. Will NSC double in 5 years?
No, NSC does not double in 5 years; however, it grows significantly due to compounding interest annually.

Q. Is NSC better than FD?
NSC and FD serve different purposes; NSC offers tax benefits, while FD provides higher interest rates and liquidity. You can choose which type of investment to go for based on your financial goals.


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