Senior Citizens Savings Scheme (SCSS)
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: www.nsiindia.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 11 Nov 2026
त्वरित एआई सारांश
A government‑backed savings instrument that provides senior citizens with a secure, high‑yield investment option and quarterly interest payouts on a lump‑sum deposit.
विस्तृत सारांश
Overview
The Senior Citizens Savings Scheme (SCSS) is administered by the National Savings Institute, Ministry of Finance. It is a non‑cumulative, market‑linked deposit scheme exclusively for senior citizens, offering a fixed rate of interest payable quarterly. Deposits are accepted at all scheduled banks, post offices, and designated financial institutions across India.
Key Features
- Maximum deposit limit: Rs. 30 lakhs per individual.
- Tenure: 5 years, extendable by a further 3 years upon maturity.
- Interest rate: Determined quarterly by the Government of India and credited every three months.
- Liquidity: Premature withdrawal permitted after one year, subject to a penalty of 1.5% on the withdrawn amount.
- Safety: Deposits are fully guaranteed by the Government of India.
Taxation
Interest earned is taxable as per the investor’s income slab. The principal amount qualifies for deduction under Section 80C of the Income Tax Act, subject to the overall limit of Rs. 1.5 lakhs.
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Physical Disability | Not Restricted (Anyone can apply) |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- Visit any participating bank branch or post office.
- Obtain and complete the SCSS account opening form.
- Submit KYC documents (Aadhaar, PAN, address proof).
- Deposit the desired lump‑sum amount (minimum Rs. 1,000).
- Receive the SCSS passbook/statement and quarterly interest schedule.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
Eligible permanent residents meeting the specified domicile, income, and category criteria can submit an application along with verified credentials.
Key mandatory documents include Aadhaar Card, Residence/Domicile Certificate, Income Certificate, and active Bank Account Passbook.
Benefits are directly credited to the beneficiary's Aadhaar-seeded bank account through the Public Financial Management System (PFMS) / DBT.
Applicants can track status in real-time by logging into the official portal using their Application Reference Number.