Post Office Scheme: Post Office's very profitable scheme, 1 will be available in 5 years
Your age limit should be 60 years to open an account in Senior Citizens Savings Scheme (SCSS). Only people of 60 years of age or above can open an account in this scheme. Apart from this, people who have taken VRS, ie Voluntary Retirement Scheme, can also open an account in this scheme.
If you invest a lump sum of Rs 10 lakh in the Senior Citizens Scheme, then at the rate of interest of 7.4 per cent (compounding) per annum, after 5 years i.e. on maturity, the total amount to the investors will be Rs 14,28,964 i.e. more than Rs 14 lakh. Here you are getting the benefit of Rs 4,28,964 as interest.
The minimum amount to open an account in this scheme is Rs 1000. Apart from this, you cannot keep more than a maximum of 15 lakh rupees in this account. Apart from this, if your account opening amount is less than one lakh rupees, then you can also open the account by paying cash. At the same time, to open an account for more than one lakh rupees, you will have to pay a check.
Talking about tax, if your interest amount under SCSS exceeds Rs 10,000 per annum, then your TDS starts deducting. However, investment in this scheme is exempted under section 80C of the Income Tax Act.
SCSS का मैच्योरिटी पीरियड 5 साल की है, लेकिन अगर निवेशक चाहें तो इस समय सीमा को बढ़ाया भी जा सकता है. इंडिया पोस्ट वेबसाइट के मुताबिक, आप मैच्योरिटी के बाद इस स्कीम को 3 साल के लिए बढ़ा सकते हैं. इसको बढ़ाने के लिए आपको पोस्ट ऑफिस में जाकर आवेदन करना होगा. SCSS के तहत डिपॉजिटर इंडीविजुअली या अपनी पत्नी/पति के साथ ज्वॉइंट में एक से ज्यादा अकाउंट भी रख सकता है. लेकिन सभी को मिलाकर मैक्सिमम इन्वेस्टमेंट लिमिट 15 लाख से ज्यादा नहीं हो सकती. खाता खोलने और बंद करवाने के समय नॉमिनेशन फैसिलिटी उपलब्ध है.
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