Senior Citizen Savings (SCSS) Calculator
SCSS me invest kiya amount daalo — har quarter kitna interest milega aur 5 saal me total kitna, turant hisaab.
How to use — Senior Citizen Savings (SCSS) Calculator
- SCSS me jitna invest karna hai wo daalo (max ₹30 lakh).
- Current rate daalo — abhi ~8.2% hai.
- Calculate dabao — quarterly payout aur 5 saal ka total interest dikh jayega.
FAQ
SCSS me interest kaise milta hai?
Interest har quarter (April, July, October, January ki 1st) ko aapke savings account me credit hota hai — ye regular income scheme hai, compound nahi hota. Principal 5 saal baad wapas milta hai.
SCSS kaun khol sakta hai?
60+ ke log; 55–60 ke retired (VRS/superannuation) bhi kuch conditions pe. Retired defence personnel 50+ pe. Post office ya banks me khulta hai.
SCSS pe tax kaisa hai?
Investment 80C me deductible (old regime). Interest taxable hai aur saal me ₹50,000 se zyada hone pe TDS bhi lagta hai (Form 15H de kar bacha sakte hain agar tax nahi banta).
5 saal baad kya options hain?
Account ek baar 3 saal ke liye extend ho sakta hai (us samay ke rate pe). Ya principal wapas lekar kahin aur invest kar sakte ho.