Senior Citizen Savings Scheme In Hindi | SCSS Latest Interest Rate | Post Office Savings Scheme
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Senior Citizen Savings Scheme In Hindi | SCSS Latest Interest Rate | Post Office Savings Scheme
Welcome to Josh Money!
In this video of Josh Money, we will be discussing about Senior Citizen Savings Scheme in full details.
Senior Citizens Savings Schemes can be availed by any individual above the age of 60 years. They are effective savings options for the long term and offer attractive features and unmatched security.
The Senior Citizens Savings Scheme (SCSS) was launched with the main aim of providing senior citizens in India a regular income after they attain the age of 60 years old. Some of the main benefits of the scheme are:
Tax benefits are provided.
Safe to invest in the scheme.
Premature withdrawal is allowed.
The account can be transferred across the country
High interest rates are offered
The scheme comes with various security features and provides individuals with a savings option for the long run. The SCSS is available at post offices and certified banks across the country.
Process to Open an SCSS Account
An SCSS account can be opened at a bank or a post office. The process to open an SCSS account is mentioned below:
Visit the nearest post office or bank branch.
Submit the application form along with the KYC documents.
A cheque for the amount that is being deposited must be provided.
You can add nominees to the account.
Source: Bank Bazaar
To know more about the SCSS, watch the full video!
#SCSS #SeniorCitizenSavingScheme #JoshMoney
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senior citizen saving scheme in post office
Which saving scheme is best for senior citizen?
Can I invest 30 lakhs in SCSS?
Is the interest of SCSS fixed for 5 years?
Is SCSS tax free?
I understand if a person "A" age is 60 and he has 300000 rs, that amount can deposit to senior citizen and person "A" will get interest quarterly and after 5 years person "A" will get 300000 return. is it correct understanding?
Yes. Every quarter you will get 60000 rs pay out @ 8% per anum so after 5 years you will get 30 lakh back only because you have already taken your simple interest payouts.
On 3 lakh deposite on postal
He will get 6k quaterly @8%
It will get 12k half a year @8%
It will get 24k a year @8%
So after 5 years he will get 120k
If he keeps that interest money and extended it more 3 yrs. Then on 3 lakh the interests will be 72k..and then on 120k which has been fixed for 3 yrs will give 28800..
So ur total money will be 300000+120000+72000+28800=520800
@@SahilKumar-wm3zo thanks a lot
@@Nehamore1909 Welcome 😇
Is Interest Amount Taxable??
We invested
30lacs for my mother & 30lacs for my father. But 10% tds for mother & 19% tds cutting why ?
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Kindly reply to the following query-
Deduction upto 1.5 lakh available under section 80C of Income Tax Act, when investment is made in SCSS (Fixed lock in Deposit for 5 years.)
Is this deduction under 80C available for only that financial year in which investment is made in SCSS or also available for consecutive next 4 financial years for that same invested amount ?
If the amount is invested in lumpsum , the 1.5 L deduction will be available for 1 yr only . But, I suppose, you can file returns as per new tax regime where upto 7L income/yr will be tax exempt . Mostly all pensioners will fall in that bracket. And those earning more than that won't have to bother. Right?
Mam i had invested 15 lakh rupees in senior citizen saving scheme in 2020 at 7.4 percent now i want to prematurely close it and refix it i sssc cos the interest rate is 8.2 do you think it's advisable pls let me know
Very simple but very good way of presentation
बहुत अच्छा विश्लेषण और काफी सरल जानकारी दी है आपने। 👌🙏💐
Weeeaeqeeeeqqeeeeeeeeeseeeeesaeeeeqqeera
5:12 wrong information. max allowed invest🎉ment limit Rs. 30 lakhs NOT Rs. 60 lakhs. Also, if you want to give REALLY good information, please talk about POST TAX Return percentage for each slab, first, second, third; talk about RD linkage
Dont give false info interest rate is fixed not variable
Interest is 8.2 % probably you are wrong here please rectify
Emergency me paise withdraw kr skte he?
Madam, you are explaining it very very well. Thank you
MEGHA ,MEHANGAYEE 8% P/A BADHATI HAI FIR FAYDA KYA ? GHANTA !
Aap hmare cete me hoti to aapko le kar jma kar bata bank orpost ofecer me apne hisab se jma kar bati or teks ka farm bi barba deti ji pensan bi jod ke teks bnta h nhi sates hjar mantle ensn melta hi medam ji aese kule Kate mepesa bank me pda ji en test to bhut kam ji ji
KYA KOI BHI SENIOR CITIZEN HAI PUR KOI AUR TYPE SENIOR CITIZEN ACCOUNT KHULWA SUKTA HAI YAA NAHIN YEH BHI BAAT BATAO (THANKS)
Bakwas he
AAP ko kuch nahe pata
काम की बात कम और बकवास ज़्यादा।
Good site for Sr citizens contributing detailed informations in single window
Aap yha hoti to bat banti aese kya kare aapko le kar das lak rupe alag alag sakemo me dal dete jise aap btati jimre cete me hoti to ji teks kabi puch leta ji thanku medam ji yha hoti to chae kofe kuch pelata dur se kese pelae ji
Kitne log apni ma se pyar karte hai
Joint me kar sakte he or joint spaus ki age kitni honi chahi ye
Tax dena ho to scss may nebes Karo
In extension period how much intrest is paid.
Same interest rate
Ma'am AP ney bhut ahcha explain kia.thnx
Thank for this information
Jo govt job Mein Nahin Hai Kya Hua ise cream ko use nahin kar sakte
Majdur aur aam insaan nai krsakta kya ?
"SCSS is a far safer avenue to park a large sum (Rs 30 lakh or the retirement amount, whichever is lower) since the Government directly backs"
If the above clause is there how a Sr citizen who has retired before 2000 and got less retirement benefits / a Sr citizen who is a private person can invest in this scheme?
Madam .post.office. mekese.sinior.citizen account open kare aur kya cheq.se.payment.kar.sakte.hai
Mam i did investment in this but 10% tds deducted can u pls elaborate about 15 h form
GREAT INFORMATION ... THANKS 🚩🇮🇳🚩🙏🏻🙏🏻
In this video it is told that quarterly interest changes hota hai fir bol rahi hai ki interest 5sal kalie lock rata hai, agar this scheme tenure-e 5 sal hai to increased interest kaha Mila. It is confusing and has no clarity.
Very significant nd elaborative. Guidance. .ma'am thnx
itna bol rahi hai aap to senior citizens ke fd interest par government tds kyun le rahi hai. Ye bhi bolo
Handicap के लिए कोई स्कीम है
Senior citizen jyada return dega ya kisan vikas patra
One dislike for your misguiding heading 'sarkar degi'. Important to be honest irrespective of anything and for real success.
Very nice n valuable information explained clearly in details....👍
Premature withdraw kaise kar sakte h?
Spauce ki age bhi 60 above honi chahiye??
Yes
Kya jama rashi Ek varsh ke bad nikall sakte hai...Pl clear the above...
Kya 60+ pur non employee of govt. or non-govt.hain tau kya un logo ko profit kya le sukte hai yaa nahin
S -C- S -S .....🚩🇮🇳🚩🙏🏻🌹👍👍
Thanks for giving this information
After 8 yrs. is scheme continue it?
My Sr citizens saving scheme got matured in Feb 2023 after completing 5 yrs at 8.3 % quarter interest in saving acct. In case I extend it for further 3yrs will I get 8.3 % interst ?
Is scheme me amount lumsum deposit krna padta hai, ya monthly bhi kr skte hai ... . ??
Please reply .... 🙏🙏
Aapke upar hai. Maximum aap 30 Lakh kar sakte hain.
@@JoshTalksStockMarket thank you so much ... . 🤗🤗
Good Sikkim senior citizen God ki Jay
Interest quarterly nikal sakte hai? Ya 5 sal hi niklega vo bhi?
Quarterly
Apka interest credit hua Mera nhi hua senior citizen scheme ka
Madam, I have taken VRS, my age is 58 years, Can i open account in my spouse name she is 48
Presently the Interest rate is 8.2% per year. Plz. Give correct information
Yes. Current interest rate on this scheme is 8.2%.
This video was made 8 months back so it has an interest rate of its time.
Tum bahut khush ho system ke sath tum bhi apna kara lena
Kya retirement/ VRS ki date k baad within one month k period m hi account open karna jaroori h jo ki ab period 3 months kar diya gaya h ? Please bataye ?
Thank you for the valued information.
Neha ji kya aap ji ya btae ki retaear ment ke AEK mhina me jma karna jarure he job chode ya pensan aane ke das ya pndrha bars bad char pach lak kar bana chae to nhi kar sakta umr unsat bars to ji btae ji aap hoti yha to aapko le kar krba.lena ta ji f d bema senyar stejan or ppf sab karba lena ta aapne karba bi dena ta samj dare se ji thanku medam ji aap to hmare bete ki trha he ji
U told retired before 50 yr can open the a/c...?
Mam Excellent Video presentation....What is the lock in period can we get amount in Emergency...Also please can we get Loan against this scheme....
🚩🇮🇳🚩🇮🇳🚩🇮🇳🚩🇮🇳🚩🙏🏻🙏🏻
kya ye intrest withdrwal ho sakta hai.. can we withdrawl this intrest .
Mere mom-dad ka
Can i open SCSS accounts with two different baks within overall limits of Rs 30,00,000 ? Please answer
Nope! You can't use your I'd to open two different accounts.
@JoshTalksMoney one account is already three with central bank. The other WITHIN ALLOWED LIMITS, I wish to open with union bank.... which ID you are talking about sir, I hv no ID of SCSS with central bank
If account matured in Deceber 2o21 and got extended in may 2022 for next 3 years. Can 80 c exemption under income tax rules is available, if yes ,then for which financial year
10%tax muldhan say ketega kya ya interest say
Ek bar m hi amount jma krwana h kya bs or bich m pese nhi nikal skte kya....
Bahut acchi tarahse aapne samzaya.
Thanks allot mam for clearing my doubts🙏
bema karna h muche meri dadi ka
Madam aap mujhe help karo, mere , maa, aur pitaji ka bahut garib admi hai, kuch toh peisa milega
Thank you so much❤
Thanks for content 💕
Good presentation
Increased limit is eligible since 1-Feb, or investment can be done after 1-Apr only?
After 1 Apr 2023
madam
pl let me know about premature payment in what cases?
House wife Jo 55to60 age mai hai vo kar sakte hai kya
Very nice information..thank you..
Few additional questions that needed to be included.
1. Can one person open multiple SSSC accounts at once?
2. Do we have to invest all the amount at once? Or can we invest in staggered way?
3. Is there any way of pre-closure or taking loan on the amount?
Thankyou madam
Ms Medha interest Rate is 8.2% not 8%
This video was created 8 months back. The interest rate was 8% back then.
Dear mam i want to know can all normal people take this facility for example a farmer
Intrestted for your Scene
Investment
I always like and subscribe good analysis
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th-cam.com/video/08T13vazffk/w-d-xo.html
Hellow madam if i fillup15H from so TDS deduction applicable for me or not ?
Spouse ke sath joint ac limit 060 Lakh hai kya?
No. Good video, does not mislead like other videos to get the TH-cam medallion. Limit for joint account is Rs. 30 lakhs. 5:09 is wrong information. If both husband and wife are same age and retire on same day they will be invest Rs. 30 lakhs each. But it will be two separate accounts.
private job karte he to kar sakte hai?
Great information
Great Information
Thank u
Best analysis.
Well said
Good information
Mam mai army se retair hua hu January 2023 ko mere umer 41 year hai toh kya muje sinor sitizen ka faida mil sakta hai ya nahi
No,dear your age should 60years
Hamne invest Kiya hai is scheme mai.30 lakh
@whatsp3227 🙏
April 2023 se hota hai kya
@@bhagyeshraval9076 kabhi bhi open karva sakte ho Age. 60 sal honi chahiye bas
Okky bhai ek help chiae ismae jo money qurterly milti hai hum usko nikal sakte hai ya withdrawal kar sakte hai ? Plz help
@@kuchhbhi3577 ha bhai nikal sakte hai vo aapke savings account Mai hi aayega
Very good
I am first viewer of this video.❤️😊
Aavas to humko
I always like and subscribe good analysis
Gjb🙏
intrest ko quertly withdraw kar sakte hai
Yes! Wo quarterly automatically aapke account mein aa jaayega.
😊 thanku mam
KYA GOVE, KE PAISE KHUTM HAU GAYA HAI KYA TABHI INTEREST UDHIK DE RAHI HAI KYA GOVT. KE PASS SE
Monthly / quarter interest jo aate h usko withdraw kar sakte h kya? Ya fir only maturity period k baad hi withdraw karskte hai?
Obviously withdraw Kar sakte hain.
Yes u can withdraw bt u will not get any benifit and it will work as regular account without any proper interest