Post office savings
Assumptions
NSC compounds annually and pays at maturity; interest accrued in years one to four is deemed reinvested and eligible under Section 80C in the old regime, and all accrued interest is taxable each year at your marginal rate. KVP compounds annually until the amount doubles. Time deposits compound quarterly and pay interest annually; the five-year deposit is 80C-eligible. The five-year RD compounds quarterly on monthly deposits. The savings account earns simple annual interest; Sections 80TTA and 80TTB are noted, not applied. Rates are quarterly notifications; the default matches the scheme selected when the page opened.
Rules: July–September 2026, reviewed 2026-09-11.
Estimates are not personalised financial advice. Review assumptions before use.
Maturity value
Based on your inputs. Not guaranteed. Exact amount: ₹1,44,903.
Interest and tax, year by year
Bars show interest credited or paid each year; tax uses your marginal rate. NSC's first four years also count toward Section 80C in the old regime.Bars show interest credited or paid each year; tax uses your marginal rate. NSC's first four years also count toward Section 80C in the old regime.
View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
Why is tax shown each year?
Post-office interest is taxable on accrual even when paid at maturity. NSC's reinvested interest also earns a Section 80C deduction in the old regime.
Detailed results
| Result | Value |
|---|---|
| Maturity value | ₹1.45 lakh |
| Total interest | ₹44,903 |
| Term | 5 years |
| Tax on interest at your marginal rate | ₹13,471 |
| Section 80C-eligible amount (old regime) | ₹34,544 |
| Tax saved by 80C at your marginal rate | ₹10,363 |
| Value after tax and 80C saving | ₹1.42 lakh |
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹1 lakh | ₹0 | ₹7,700 | ₹1.08 lakh |
| 2 | ₹1.08 lakh | ₹0 | ₹8,293 | ₹1.16 lakh |
| 3 | ₹1.16 lakh | ₹0 | ₹8,931 | ₹1.25 lakh |
| 4 | ₹1.25 lakh | ₹0 | ₹9,619 | ₹1.35 lakh |
| 5 | ₹1.35 lakh | ₹0 | ₹10,360 | ₹1.45 lakh |