How much will ₹10,000 in NSC become after 5 years?
₹10,000 invested in the National Savings Certificate at 7.7% becomes ₹14,490 after 5 years, so you earn ₹4,490 in interest before tax.
- Maturity value
- ₹14,490 (good)
- After 5 years
- Interest earned
- ₹4,490 (good)
- 31% of maturity
- Money multiple
- 1.45×
- Doubles in about 9.3 years
- Interest kept at 30% slab
- ₹3,143 (caution)
- Tax ₹1,347
- Worth in today's money
- ₹10,828
- At 6% inflation
Open the NSC Calculator with these numbers filled in
The numbers in charts
Your investment versus interest
- Amount you invest₹10,000 · 69%
- Interest earned₹4,490 · 31%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Amount you invest | ₹10,000 | 69% |
| Interest earned | ₹4,490 | 31% |
NSC value by year
- Amount you invest
- Interest earned so far
Show the numbers
| Year | Amount you invest | Interest earned so far | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹10,000 | ₹770 | ₹10,770 |
| 2 | ₹10,000 | ₹1,599 | ₹11,599 |
| 3 | ₹10,000 | ₹2,492 | ₹12,492 |
| 4 | ₹10,000 | ₹3,454 | ₹13,454 |
| 5 | ₹10,000 | ₹4,490 | ₹14,490 |
NSC value year by year on ₹10,000
Interest is added to the certificate's value every year and paid only at maturity, so each year's interest is bigger than the one before.
| Year | Interest for the year | Value at year end | Interest as share of year-end value |
|---|---|---|---|
| 1 | ₹770 | ₹10,770 | 7.1% |
| 2 | ₹829 | ₹11,599 | 7.1% |
| 3 | ₹893 | ₹12,492 | 7.1% |
| 4 | ₹962 | ₹13,454 | 7.1% |
| 5 | ₹1,036 | ₹14,490 | 7.1% |
NSC interest on ₹10,000 after income tax
NSC interest is taxed at your slab rate; this shows what is left at each slab, ignoring any deduction you may claim on the investment.
| Tax slab | Tax on interest | Interest you keep | Maturity after tax |
|---|---|---|---|
| 0% | ₹0 | ₹4,490 | ₹14,490 |
| 10% | ₹449 | ₹4,041 | ₹14,041 |
| 20% | ₹898 | ₹3,592 | ₹13,592 |
| 30% | ₹1,347 | ₹3,143 | ₹13,143 |
₹10,000 for 5 years: NSC against other options
Compares today's notified NSC rate with a post-office 5-year deposit and a bank FD at an assumed rate; bank rates differ. The post-office deposit pays interest out every year, so its figure is the deposit back plus the interest received.
| Option | Rate | Maturity value | Interest earned |
|---|---|---|---|
| NSC | 7.7% | ₹14,490 | ₹4,490 |
| Post-office 5-year time deposit | 7.5% | ₹13,857 | ₹3,857 |
| Bank FD (assumed rate) | 7% | ₹14,148 | ₹4,148 |
Questions about this scenario
How much will ₹10,000 in NSC become after 5 years?
About ₹14,490 at the notified 7.7%, compounded yearly and paid at maturity. Your ₹10,000 earns ₹4,490 in interest, a money multiple of 1.45. A certificate bought in a different quarter may carry a different rate, and the interest is taxable in the hands of the holder, so the amount you keep depends on your slab.
How much of the NSC interest on ₹10,000 do I keep after tax?
It depends on your slab. At 30% you keep ₹3,143 of the ₹4,490 interest, an after-tax maturity of ₹13,143. At 10% you would keep ₹4,041. Check the current rules for any deduction or exemption, since they change, and keep the certificate's tax statement for your return.
Is NSC better than a ₹10,000 bank FD for 5 years?
On rates alone, NSC at 7.7% gives ₹14,490 against ₹14,148 for an FD at an assumed 7%. Bank FD rates vary by bank, tenure and day, and the interest on both is taxed as income, so compare the actual FD rate you are offered before choosing.
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What the numbers say about ₹10,000 in NSC
₹10,000 invested once in NSC at 7.7% grows to ₹14,490 after 5 years. Interest is ₹4,490, which is 31% of the maturity value, and the money multiple is 1.45.
Because interest compounds yearly and is paid at the end, the first year earns ₹770 and the fifth year earns ₹1,036, 35% more. At this rate money doubles in about 9.3 years, so a five-year certificate is a little over half way to doubling.
Tax changes the picture. At the 30% slab you would pay ₹1,347 on the interest and keep ₹3,143, an after-tax yield of about 5.62% a year. Against 6% inflation, ₹14,490 received in 5 years buys what ₹10,828 buys today.
Set beside a 7.5% post-office deposit, NSC earns ₹634 more on this amount; against a bank FD at an assumed 7% it earns ₹343 more. Government schemes also carry no bank-credit risk.
The NSC rate is notified quarterly and applies to the certificate you buy for its full term; these figures use the rate for Q3 FY2026-27 (1 Oct 2026 – 31 Dec 2026). Check the current rules on tax and deductions before relying on the after-tax figures.