NSC Calculator
NSC me invest kiya amount daalo — 5 saal baad maturity value aur total interest (annual compounding) turant.
How to use — NSC Calculator
- NSC me jitna invest karna hai wo amount daalo (minimum ₹1,000).
- Current NSC rate daalo — abhi ~7.7% hai.
- Calculate dabao — 5 saal baad ki maturity value dikh jayegi.
FAQ
NSC kya hai aur kahan milta hai?
National Savings Certificate ek government-guaranteed 5-saal ki investment hai jo post office se milti hai. Rate fixed hota hai aur paisa 100% safe hai.
NSC pe tax kaisa lagta hai?
Investment 80C me deductible hai (old regime, ₹1.5L limit). Interest taxable hai, LEKIN pehle 4 saal ka interest reinvest maana jaata hai isliye wo bhi 80C me claim ho sakta hai — sirf 5th saal ka interest effectively taxable hai.
NSC vs FD — kya better hai?
NSC ka rate aam taur pe bank FD se thoda zyada hota hai aur government guarantee hai. Lekin 5 saal ka lock-in hai — FD me premature withdrawal ho jaata hai (penalty ke saath).
Kya NSC beech me tod sakte hain?
Normally nahi — sirf holder ki death, court order ya pledge ke case me. Isliye wahi paisa daalo jo 5 saal ke liye lock kar sakte ho.