NSC Accrued Interest Chart: Calculate NSC Interest Instantly

The following chart will help you to calculate NSC interest instantly. You can use the following NSC accrued interest chart as a calculator.

The rate of interest is 8.5% [8.6% on certificates issued during F.Y.2012-13, 8.4% on certificates issued during 1.12.2011 to 31.3.2012 and 8% on certificates issued upto 30.11.2011 compounded half-yearly.  The amount of interest accruing on certificate of Rs. 100 shall be as follows.

Nsc accrued interest chart

The following table will enable an assesse to calculate the accrued interest for all the years instantly.

nsc accrued interest chart

The amount of interest accruing on certificates of other denominations shall be proportionate to the amount specified above.

Post Maturity Interest: Where on maturity, the amount has become due but not paid, it shall carry interest from the date of maturity up to the date of repayment at the prevailing POSB A/c rate.


  1. Hi,

    I have query related to NSC. I purchased NSC’s regularly since 2011. I just came to know from someone that the accrued interest can be used for tax benefits too.

    I searched over the net and got affirmative responses. Now the question is Can I take benefits for previous years too. that were not claimed …:-)

  2. Purchased 2 nos.(each for Rs.5ooo) 5years NSC (VIII issue) one on 30.1.14 (Yr.of purchase 2013-2014)second on 14.1.15 (Yr.of purchase 2014-2015) -Matured amount of each NSC is Rs.7581/-(The Principal amount of Rs. 5000 + Interest amount of Rs. 2581)
    Pl. advise which table is applicable for calculation of accrued interest yearwise for the above NSC

  3. Hello Sir,
    I have a query regarding maturity amount of my NSCs. I had purchased 5 numbers of 6 years of NSCs(8th issue) for principal amount of 5000 each from post office, punjab. I had paid Rs 25,000 in total. On each certificate it is printed that Rs. 10,075 against Rs.5,000 willbe given at the time of maturity. But at the time of maturity 30.10.2016, I recieved a cheque of 40,025 rupees only instead of 50,375 (as per printed) on the certificates. Please tell me if it is wrongly calculated or not?

    • The amount you got looks correct to me. May be they issued certificates from an older lot when the interest rates were high.


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