Stax

حاسبة SCSS

احسب الدفعات الفصلية وإجمالي الفائدة من برنامج ادخار كبار السن. 8.2% سنوياً، مدة 5 سنوات، مدعوم حكومياً.

Min ₹1,000, max ₹30 lakh.

Government-set, paid quarterly. 5-year tenure.

What is an SCSS calculator?

An SCSS calculator computes quarterly interest payouts, the equivalent monthly income, total interest over 5 years, and principal returned at maturity for the Senior Citizens Savings Scheme.

SCSS vs POMIS vs senior citizen FD

For seniors needing monthly income, SCSS is the highest-yielding option (8.2%) but pays quarterly, not monthly. POMIS (7.4%) pays monthly but lower yield. Senior FD (7.5–8% at SBI/HDFC) is more flexible. Best practice: split — SCSS for the bulk (highest rate), POMIS for monthly cash flow needs, FD for liquidity.

Who can open an SCSS account

Indian residents only. Eligibility: age 60+, OR retired civilian govt employees aged 55+, OR retired defence personnel aged 50+. NRIs and HUFs cannot open SCSS. Account can be opened jointly with spouse only — first holder must meet age criteria.

الأسئلة الشائعة

What is SCSS (Senior Citizens Savings Scheme)?
SCSS is a government-backed scheme exclusively for Indian residents aged 60+ (or 55+ with VRS retirement, or 50+ for retired defence personnel). It pays the highest fixed return among small savings schemes — currently 8.2% p.a., paid quarterly.
What is the current SCSS interest rate?
8.2% p.a. for FY 2025-26, paid out quarterly. The rate is set by the government and revised every quarter, but once you open your account the rate is locked for the full 5-year tenure.
What is the SCSS investment limit?
Minimum ₹1,000, maximum ₹30 lakh per individual (raised from ₹15 lakh in Budget 2023). A senior couple can therefore park up to ₹60 lakh combined and earn ~₹4.92 lakh/year (~₹41,000/month) between them.
Is SCSS interest taxable?
Yes. Interest is taxable at your slab rate. TDS is deducted at 10% if quarterly interest exceeds ₹50,000 in a financial year (₹40,000 for non-seniors elsewhere — but here, seniors get the higher threshold). Investments qualify for Section 80C deduction up to ₹1.5 lakh.
Can I extend SCSS beyond 5 years?
Yes — one extension of 3 additional years allowed at maturity. Premature withdrawal is permitted but penalised: 1.5% of principal if closed within 2 years, 1% if closed in years 2–5. Most retirees roll over to extension or transfer to another senior-friendly scheme.

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