NSC Calculator — 5 Saal Baad Kitna Milega
Post Office ka NSC 5 saal ka pakka nivesh hai — na bazaar ka darr, na dar ka badalna. Neeche jama rakam aur byaj dar daaliye, maturity par kitna milega turant dikh jayega.
NSC me byaj kaise judta hai
NSC me byaj har saal judta hai (yearly compounding), par milta poora 5 saal baad hai — beech me nahi.
Misaal: ₹1,00,000 jama, 7.7% dar.
- Pehla saal: 1,00,000 → 1,07,700
- Doosra saal: 1,07,700 → 1,16,000
- ...aur isi tarah paanchve saal tak
- 5 saal baad: lagbhag ₹1,44,900
Yaani ₹44,900 ka byaj. Dhyaan dijiye — ye saada byaj se zyada hai (jo 38,500 hota), kyunki har saal ka byaj agle saal khud kamai karta hai.
Tax ka wo hissa jo log nahi jaante
NSC ka sabse achha hissa yahi hai, aur sabse zyada log yahi galti karte hain.
- Jama karte waqt — jo rakam aap NSC me daalte hain, wo purane tax regime me Section 80C ke andar aati hai.
- Har saal ka byaj — technically wo aapki aay maana jaata hai. Par kyunki wo aapko milta nahi, dobara NSC me hi lag jaata hai, isliye pehle 4 saal ka byaj bhi 80C me claim kiya ja sakta hai.
- Paanchve saal ka byaj — ye claim nahi hota, kyunki tab paisa aapke haath me aa jaata hai. Us saal wo aay me judta hai.
Naye tax regime me 80C ki chhoot nahi milti. Isliye agar aap naye regime me hain, to NSC sirf ek surakshit nivesh hai — tax bachat wala faayda nahi milega. Ye baat pehle se tay kar lena zaroori hai. Regime ki tulna Old vs New Tax Regime Calculator me kar sakte hain.
NSC ya FD — kaunsa lein
| Baat | NSC | Bank FD (5 saal, tax-saving) |
|---|---|---|
| Lock-in | 5 saal, pakka | 5 saal, pakka |
| Kaun de raha hai | Bharat sarkar | Bank |
| 80C chhoot | Haan | Haan |
| Byaj par TDS | Nahi katta | Kat sakta hai |
| Dar kab badalti | Kharidte waqt jo hai, wahi 5 saal chalti | Wahi |
| Loan ke liye girvi | Rakh sakte hain | Rakh sakte hain |
Do bade farak dhyaan dene layak hain:
NSC par TDS nahi katta. Bank FD me byaj ek seema paar kare to TDS kat jaata hai aur wapas lene ke liye ITR bharna padta hai. NSC me ye jhanjhat nahi.
NSC sarkar ki guarantee hai. Bank FD me bhi bima hota hai par ek seema tak. Badi rakam ke liye NSC thoda zyada nishchint hai.
Doosri taraf, bank FD me kaam online ho jaata hai, jabki NSC ke liye post office jaana padta hai (ya post office ka net banking chahiye).
Kiske liye NSC sahi hai
Ye achha hai unke liye jo:
- Purane tax regime me hain aur 80C ki limit bharni hai
- Bazaar ka utaar-chadhav bilkul nahi chahte
- Paisa 5 saal tak nahi chahiye — bacche ki fees, shaadi, ya koi tay kharcha jo 5 saal baad hai
- Gaon ya chhote sheher me hain jahan post office sabse paas ki jagah hai
Ye theek nahi hai unke liye jo:
- Beech me paisa nikalne ki zaroorat pad sakti hai — NSC me time se pehle nikalna lagbhag namumkin hai
- Naye tax regime me hain aur sirf return dekh rahe hain — wahan doosre vikalp behtar mil sakte hain
- Mehngai se kaafi upar return chahte hain — 7-8% par mehngai ghatane ke baad asli badhotari kam bachti hai
Mehngai ka asar samajhna ho to Inflation Impact Calculator me apna number daalkar dekh lijiye — jawab aankhein khol dega.
Aksar pooche jaane wale sawaal
NSC me byaj kab milta hai?
Byaj har saal judta hai par milta poora 5 saal baad, maturity par. Beech me nikaal nahi sakte.
NSC ka byaj tax-free hai?
Nahi. Byaj aay maana jaata hai. Par pehle 4 saal ka byaj dobara NSC me lag jaata hai, isliye purane tax regime me use 80C me claim kiya ja sakta hai. Paanchve saal ka byaj us saal ki aay me judta hai.
NSC me TDS katta hai?
Nahi. Ye NSC ka ek bada faayda hai — bank FD me byaj ek seema paar karne par TDS kat jaata hai, NSC me nahi.
5 saal se pehle paisa nikaal sakte hain?
Aam taur par nahi. Kuch khaas sthitiyon me hi ijaazat hai — jaise khaatedaar ki mrityu ya adaalat ka aadesh. Isliye wahi paisa daaliye jo 5 saal tak nahi chahiye.