Post Office Senior Citizen Savings Scheme (SCSS) 2022


Post Office Senior Citizen Savings Scheme (SCSS) 2022

Post Office Senior Citizen Savings Scheme (SCSS) 2022 Details are given here. Also how to open the SCSS Account in Post Office is mention very easily here. Read the complete details carefully. Post Office offers a variety of postal services as well as a wide range of banking services. The post office also has plans for the Senior Citizen. It earns more interest than bank FD. Post Office Senior Citizen Savings Scheme (SCSS) is a great scheme for senior citizens. This post office scheme is the safest investment option for senior citizens. Money can be invested in this scheme for 5 years. The plan can be extended for 3 years after maturity. Under this scheme you can invest up to a maximum of Rs. 15 lakhs. More details are as below:

Post Office Gram Suraksha Yojana

पोस्ट ऑफिस ज्येष्ठ नागरिक बचत योजना (SCSS) बद्दल संपूर्ण माहिती

पोस्ट ऑफिस विविध प्रकारच्या टपाल सेवा तसेच अनेक प्रकारच्या बँकिंग सेवा देते. पोस्ट ऑफिसमध्ये वृद्धांसाठी देखील योजना आहे. यामध्ये बँक एफडीपेक्षा जास्त व्याज मिळते. पोस्ट ऑफिस ज्येष्ठ नागरिक बचत योजना (SCSS) ही ज्येष्ठ नागरिकांसाठी चांगली योजना आहे. ही पोस्ट ऑफिस योजना ज्येष्ठ नागरिकांसाठी सर्वात सुरक्षित गुंतवणूकिचा पर्याय आहे. या योजनेत 5 वर्षांसाठी पैसे गुंतवले जाऊ शकतात. मॅच्युरिटीनंतर ही योजना 3 वर्षांसाठी वाढवता येते. या योजनेअंतर्गत तुम्ही जास्तीत जास्त 15 लाख रुपयांपर्यंतची गुंतवणूक करू शकता.

मॅच्युरिटीवर 7 लाख कसे मिळवायचे ते जाणून घ्या Maturity for SCSS

जर एखाद्या ग्राहकाने या पॉलिसीमध्ये दरमहा 8,334 रुपये मंथली जमा केले, तर खात्याच्या पाच वर्षांच्या मॅच्युरिटीनंतर त्याला सुमारे 7 लाख रुपयांची रक्कम मिळते. प्रत्येक महिन्याला 8,334 रुपये जमा केल्यावर वर्षभरात एक लाख रुपये जमा होतील. म्हणजे 5 वर्षात जमा केलेली रक्कम 5 लाख रुपये होईल. व्याजासह ही रक्कम 6,85,000 रुपये असेल.

पोस्ट ऑफिसमध्ये SCSS खाते कधी उघडू शकतो?

खाते उघडण्यासाठीचे वय 60 वर्षे आहे मात्र स्वेच्छानिवृत्ती घेणारी व्यक्ती ज्याचे वय 55 वर्षांपेक्षा जास्त आहे परंतु 60 वर्षांपेक्षा कमी आहे ते देखील हे खाते उघडून गुंतवणूक करू शकतात. या योजनेअंतर्गत या खात्यात एकदाच पैसे जमा करावे लागतील. या खात्यात जास्तीत जास्त 15 लाख रुपये जमा करता येतील. जमा करावयाची रक्कम ही सेवानिवृत्ती लाभांच्या रकमेपेक्षा जास्त नसावी. या खात्यात 1000 रुपयांच्या पटीत पैसे जमा केले जाऊ शकतात.

पोस्ट ऑफिसमध्ये SCSS खाते कसे उघडावे ?

तुम्ही सर्व पोस्ट ऑफिसमध्ये ज्येष्ठ नागरिक बचत योजना खाते उघडू शकता. SCSS खात्यातून मिळणारे व्याज त्याच पोस्ट ऑफिसमधील गुंतवणूकदाराच्या लिंक केलेल्या बचत खात्यात आपोआप जमा होते.

गुंतवणुकीतून टॅक्स बेनिफिट Tax Benefit

ज्येष्ठ नागरिक बचत योजना खात्यात केलेल्या गुंतवणुकीवर आयकर कायदा, 1961 च्या कलम 80C अंतर्गत आयकर कपातीचा लाभ मिळतो. SCSS वरील व्याज पूर्णपणे करपात्र आहे. एका आर्थिक वर्षात कमावलेली व्याजाची रक्कम 50,000 रुपयांपेक्षा जास्त असल्यास, मिळालेल्या व्याजावर टॅक्स डिडक्शन (TDS) लागू होईल. SCSS गुंतवणुकीवर TDS कपातीची ही मर्यादा 2020-21 पासून लागू आहे.

इतर सुविधा Other Facility

या योजनेत नॉमिनेशन फॅसिलिटीही उपलब्ध आहे. खातेदार एक किंवा जास्त लोकांना खात्याचे नॉमिनी करू शकतो. मध्येच पैसे काढायचे असतील तर एक वर्षानंतर SCSS मधून पैसे काढता येतात, मात्र त्यासाठी दंड भरावा लागतो.

कुठली बँक वरिष्ठ नागरिक बचत योजना खाते उघडू शकतात

खालील काही लोकप्रिय बँकांची यादी आहे जो वरिष्ठ नागरिकांची बचत योजना खाते उघडण्याची सुविधा देते –

  • ICICI बँक
  • कॉर्पोरेशन बँक
  • स्टेट बँक ऑफ इंडिया
  • बँक ऑफ बडौदा
  • केनरा बँक
  • आंध्रा बँक
  • सिंडीकेट बँक
  • यूको बँक
  • IDBI बँक
  • पंजाब नॅशनल बँक
  • बँक ऑफ इंडिया
  • विजया बँक
  • यूनियन बँक ऑफ इंडिया
  • बँक ऑफ इंडिया
  • इलाहाबाद बँक

Features of Senior Citizen Saving Scheme 2022

  1. An individual above 60 years of age can be apply for this scheme.
  2. Retired Civilian Employees above 55 years of age and below 60 years of age, subject to condition that investment to be made within 1 month of receipt of retirement benefits for this SCCS scheme.
  3. Retired Defense Employees above 50 years of age and below 60 years of age, subject to condition that investment to be made within 1 month of receipt of retirement benefits for this SCCS scheme.
  4. Account can be opened as individual capacity or jointly with spouse only.
  5. The whole amount of deposit in a joint account shall be attributable to the first account holder only.

Deposit Amount in SCSS Account

SCSS खात्यात किती रक्कम जमा करायची

  1. Minimum deposit shall be Rs. 1000 and in multiple of 1000, subject to maximum limit up to Rs. 15 lakh in all SCSS accounts opened by an individual.
  2. In case any excess deposit made in SCSS account, excess amount will be refunded immediately to the depositor and only PO Savings Account Interest rate will be applicable from the date of excess deposit to the date of refund.
  3. Investment under this scheme qualifies for the benefit of section 80C of Income Tax Act, 1961.

Interest rate in SCSS Account in Post Office

पोस्ट ऑफिसमधील SCSS खात्यातील व्याज दर

  1. Interest shall be payable on quarterly basis and applicable from the date of deposit to 31st March / 30th June / 30th September / 31st December.
  2. If the interest payable every quarter is not claimed by an account holder, such interest shall not earn additional interest.
  3. Interest can be drawn through auto credit into savings account standing at same post office, or ECS. In case of SCSS account at CBS Post offices, monthly interest can be credited into savings account standing at any CBS Post Offices.
  4. Interest is taxable if total interest in all SCSS accounts exceeds Rs.50,000/- in a financial year and TDS at the prescribed rate shall be deducted from the total interest paid. No TDS will be deducted if form 15 G/15H is submitted and accrued interest is not above prescribed limit.

Interest rate in SCSS Account in Post Office

Premature Closure:-

  1. Account can be prematurely closed any time after date of opening.
  2. If account closed before 1 year, no interest will be payable and if any interest paid in account shall be recovered from principle.
  3. If account closed after 1 year but before 2 year from the date of opening, an amount equal to 1.5 % will be deducted from principal amount.
  4. If account closed after 2 year but before 5 year from the date of opening, an amount equal to 1 % will be deducted from principal amount.
  5. Extended account can be closed after the expiry of one year from the date of extension of the account without any deduction.

SCSS Account closure on Maturity:-

  1. Account may be closed after 5 year from the date of opening by submitting prescribed application form with passbook at concerned Post Office.
  2. In case of death of account holder, from the date of death, account shall earn interest at the rate of PO Savings Account.
  3. In case spouse is a joint holder or a sole nominee, account can be continued till maturity if spouse is eligible to open SCSS account and not have another SCSS Account.

Extension of SCSS Account:-

  1. Account holder may extend the account for further period for 3 years from the date of maturity by submitting prescribed form with passbook at concerned post office.
  2.  Account can be extended within 1 year of maturity.
  3. Extended account shall earn interest at the rate applicable on the date of maturity.

Important Link for SCSS

Required Documents to open SCSS account

SCSS खाते उघडण्यासाठी आवश्यक कागदपत्रे

Following are the documents required to open SCSS account:

  1. Age proof
  2. Passport
  3. Senior citizen card
  4. Birth certificate issued by MC/Gram Panchayat/District office of the Registrar of Birth and Death
  5. PAN Card
  6. Voter ID Card
  7. Ration Card
  8. School Date of Birth Certificate
  9. Driving License.

How to open Senior Citizen Savings Account?

ज्येष्ठ नागरिक बचत खाते कसे उघडायचे?

Candidate can open SCSS account at any authorized banks or post office branches in the country.

Opening SCSS Account at Post Office

पोस्ट ऑफिसमध्ये SCSS खाते कसे उघडायचे

  • You can open a Senior Citizens Savings Scheme account at all India Post Offices. You will need to fill the account opening form and submit it along with copies of KYC documents including proof of identity, proof of address and proof of age along with 2 recent passport size photograph.

Opening SCSS Account at an Authorized Bank Branch

अधिकृत बँकेच्या शाखेत SCSS खाते कसे उघडायचे

  • Apart from the post offices, you can also open SCSS account at select Public/ Private banks.

Benefit of SCCS Account

SCCS खात्याचा लाभ

The following are key benefits of opening a Senior Citizen’s Savings Scheme account at authorized banks:

  1. The accrued interest can be directly credited into the depositor’s savings bank account held with the bank branch
  2. Standard account statements are forwarded to depositors through post or email
    24×7 customer service through phone banking services
  3. Since SCSS is a government-backed small savings scheme, it is one of the safest and most reliable investment options for senior citizens.
  4. Offering interest at the rate of 7.4% per annum, SCSS is among the most beneficial investment options, especially compared to the rather traditional ways of savings such as FD and Savings Account.
  5. Under section 80C of the Income Tax Act, SCSS is eligible for a tax deduction of up to Rs. 1.5 Lakh per annum.
  6. The process of investing in SCSS is quite simple. You can open an SCSS at any authorized bank or any post office in India.
  7. Under SCSS, the interest amount is paid to the account holders quarterly which ensured period payouts adding to your investment. Interest will be credited on the first day of April, July, October, and January every financial year.

How to Apply for Post Office Senior Citizen Savings Scheme (SCSS) 2022

FAQ for SCSS Account

SCCS खाताशी संबंधित काही प्रश्न

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Question. How can I open a Senior Citizen Savings Scheme Account Online?

Answer: To open a SCSS account, the customer has to visit the post office or branch of the bank and fill the relevant form. KYC documents, age proof, identity proof, address proof and deposit check should be attached with this form.


Question. Is 80C applicable on Senior Citizen Savings Schemes?

Answer: Yes, investments made in SCSS are eligible for income tax deduction benefits under section 80C of the Income Tax Act, 1961.


Question. Can I open a Senior Citizen Savings Account with SBI SBI Bank?

Answer: Of course, any senior citizen can open a senior citizen savings account with banks like State Bank of India. However, as per SBI SBI guidelines, a depositor can hold two or more SCSS accounts only if the deposits in all the accounts together do not exceed Rs.15 lakh.


Question. What is the maximum age for opening Senior Citizen Savings Account?

Answer: Anyone above 60 years of age can open a Senior Citizen Savings Account with all the required documents.


Question. Can anyone open a joint SCSS account with any family member?

Answer: One can open a joint account only with his/her spouse by investing a maximum of Rs.15 lakhs (in multiples of Rs.1,000).


Question. What is the eligibility criteria conditions for Joint Joint Senior Citizen Savings Account?

Answer: The first depositor should be above 60 years of age at the time of opening the Joint Joint SCSS account. Whereas there is no age limit for the second applicant. Joint account can be opened only with spouse.



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