NSC Calculator vs KVP Calculator — Side-by-Side Comparison
NSC (National Savings Certificate) offers ~7.7% p.a. compounded annually with a Section 80C deduction of up to ₹1.5 lakh, making it ideal for tax-saving investors. KVP (Kisan Vikas Patra) currently doubles money in ~115 months (~7.5% p.a.) with no upper investment limit and no 80C benefit. Use both calculators to compare post-tax returns.
Nsc Calculator
Principal Invested
₹1,00,000
Interest Earned
₹44,903
Maturity Value (5 yrs)
₹1,44,903
NSC VIII Issue: 5-year lock-in, compounded annually but payable at maturity. Current rate: 7.7% p.a. Investment qualifies for deduction under Section 80C up to ₹1.5L.
Kvp Calculator
Invested
₹1,00,000
Maturity Period
116 months
~9.7 years
Maturity Amount
₹2,00,000
KVP rate: 7.5% p.a. (Q1 FY 2026-27). Your money doubles in ~115 months. No max limit. Available at any post office. No tax benefit under 80C but interest is taxable.
Frequently Asked Questions
Is NSC better than KVP?+
NSC is better for investors who want Section 80C tax deductions, as interest reinvested annually also qualifies. KVP is better for those who want a simple money-doubling scheme with no upper limit and who cannot use 80C (e.g., those who have already exhausted ELSS/PPF/LIC limits).
Can I invest in both NSC and KVP?+
Yes. Both are Post Office schemes and can be held simultaneously. A common approach is to invest up to ₹1.5 lakh in NSC for the 80C deduction and park additional surplus in KVP for guaranteed, long-term money doubling.
Which gives higher returns — NSC or KVP?+
NSC (7.7% p.a.) and KVP (7.5% p.a.) offer very similar nominal returns. NSC has a slight edge due to the 80C deduction, which effectively improves post-tax returns for investors in the 20–30% tax bracket. KVP has no 80C benefit but allows larger investments without a ceiling.
Disclaimer: This comparison is for informational purposes only and does not constitute financial or medical advice. Always consult a qualified professional before making financial or health decisions.