SCSS Calculator — Senior Citizen Savings Scheme
Retirement ke baad sabse bada sawaal — paisa kahan rakhein ki har mahine kuch aata rahe aur doobe bhi nahi. SCSS isi ke liye bana hai. Neeche jama rakam aur byaj daaliye.
Hisaab aur paisa kab milta hai
SCSS me byaj har teen mahine milta hai, seedha aapke bank khaate me. Ye maturity ka intezaar nahi karwata — yahi iski sabse badi khaasiyat hai.
₹15 lakh jama, 8.2% dar par:
- Saal ka byaj: ₹1,23,000
- Har teen mahine: ₹30,750
- Mahine ke hisaab se: lagbhag ₹10,250
5 saal me kul byaj lagbhag ₹6.15 lakh, aur maturity par poora mool dhan wapas.
Dhyaan rakhiye — yahan byaj judta nahi (compound nahi hota), kyunki wo har teen mahine nikal jaata hai. Isliye ye aay ka zariya hai, daulat badhane ka nahi.
Kaun khaata khol sakta hai
- 60 saal ya usse upar ke koi bhi bharatiya nagrik
- 55-60 ke beech — agar VRS ya superannuation par retire hue hain, aur retirement ke paise milne ke ek mahine ke andar khaata khol rahe hain
- Kuch sthitiyon me raksha sewa se retire hue log kam umr par bhi
Zaroori baatein:
- Ek insaan ki kul jama seema hoti hai — sarkar samay-samay par ise badalti hai. Khaata kholte waqt post office ya bank se aaj ki seema confirm kar lijiye.
- Pati-patni dono alag-alag khaata khol sakte hain — isse parivaar ki kul seema dugni ho jaati hai.
- Joint khaata sirf jeevansaathi ke saath khul sakta hai, aur pehla naam senior citizen ka hi hoga.
- Post office aur zyadatar bade bank — dono jagah khul jaata hai.
Tax — yahan dhyaan dena zaroori hai
SCSS ka byaj achha hai, par tax ke maamle me kuch baatein saaf honi chahiye:
- Jama rakam par 80C ki chhoot milti hai (purane tax regime me).
- Byaj poori tarah tax me aata hai — aapke slab ke hisaab se.
- TDS kat sakta hai agar saal ka byaj tay seema se upar jaye. Bujurgon ke liye ye seema aam logon se zyada rakhi gayi hai.
Bujurgon ko byaj ki aay par ek alag chhoot bhi milti hai jo aam logon se zyada hai — apne CA ya bank se ise confirm kar lijiye, kyunki ye seema budget ke saath badalti rehti hai.
Apna tax dekhne ke liye Income Tax Calculator aur TDS Guide dekhiye.
SCSS, POMIS ya FD — bujurgon ke liye kaunsa
| Baat | SCSS | Post Office MIS | Bank FD |
|---|---|---|---|
| Byaj | Aam taur par sabse zyada | Thoda kam | Alag-alag |
| Byaj kab | Har 3 mahine | Har mahine | Chunav aapka |
| Samay | 5 saal (3 saal badha sakte hain) | 5 saal | Aapki marzi |
| Umar ki shart | 60+ (kuch apwaad) | Koi nahi | Koi nahi |
| 80C | Haan | Nahi | Sirf 5-saal tax-saving FD me |
Seedhi salah:
- Pehle SCSS ki poori seema bhariye — byaj sabse achha hai aur 80C bhi milta hai.
- Har mahine paisa chahiye to POMIS jodiye — SCSS me teen mahine me aata hai, POMIS me har mahine. Poora hisaab POMIS guide me hai.
- Bacha hua paisa FD me, par ek jagah bahut bada amount mat rakhiye — alag-alag bank me baant dijiye.
Aur sabse zaroori — kisi bhi aise plan se bachiye jo "zyada return" ka waada kare. Bujurgon ko nishana banane wale galat plan bahut hain. Post office aur bade bank ki sarkari schemes hi sabse surakshit hain.
Aksar pooche jaane wale sawaal
SCSS me byaj kab milta hai?
Har teen mahine, seedha bank khaate me. Ye compound nahi hota kyunki nikal jaata hai — isliye ye aay ka zariya hai, daulat badhane ka nahi.
SCSS kaun khol sakta hai?
60 saal ya usse upar ke log. VRS ya superannuation par retire hone walon ke liye 55-60 ke beech bhi mumkin hai, kuch shartein ke saath.
SCSS ke byaj par TDS katta hai?
Saal ka byaj tay seema se upar jaye to katta hai. Agar aapki kul aay tax ke daayre se neeche hai, to Form 15H bhar dijiye — TDS katega hi nahi.
SCSS ya POMIS — kaunsa behtar?
Byaj aur 80C ke liye SCSS pehle. Par SCSS me paisa teen mahine me aata hai; har mahine chahiye to POMIS bhi saath me rakhiye.