What is Senior Citizen Savings Scheme?
Senior Citizen Savings Scheme (SCSS) is a government-backed savings scheme specifically for senior citizens (60+ years) offering the highest guaranteed interest rate among all small savings schemes — 8.2% per annum (paid quarterly). Maximum deposit ₹30 lakh per person. Backed by Government of India, completely safe. Available at all post offices and select banks.
Senior Citizen Savings Scheme — Quick Overview
| Scheme Name | SCSS – Senior Citizen Savings Scheme 2026 — 8.2% Interest | ₹30 Lakh Maximum | Post Office |
| Launched By | Government of India |
| Launch Year | 2004 |
| Benefit | 8.2% interest quarterly + Section 80C tax benefit + ₹30 lakh maximum deposit |
| Category | Finance |
| Last Verified | 23 May 2026 |
| Official Portal | https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=89 |
वरिष्ठ नागरिक बचत योजना (SCSS) 60 वर्ष+ के वरिष्ठ नागरिकों के लिए सरकार की सबसे आकर्षक बचत योजना है। 8.2% प्रति वर्ष ब्याज (तिमाही) — सभी small savings schemes में सर्वाधिक। अधिकतम ₹30 लाख। भारत सरकार की गारंटी। सभी डाकघरों और चुनिंदा बैंकों में उपलब्ध।
8.2% तिमाही ब्याज + Section 80C में ₹1.5 लाख तक छूट + ₹30 लाख अधिकतम जमा
Benefits of Senior Citizen Savings Scheme
8.2% interest quarterly + Section 80C tax benefit + ₹30 lakh maximum deposit
Who is Eligible for Senior Citizen Savings Scheme?
- ✓Indian resident aged 60 years or above
- ✓Retired government employees aged 55-60 years (within 1 month of retirement)
- ✓Retired defence personnel aged 50-60 years
- ✓NRIs and HUFs are NOT eligible
- ✓Joint account allowed — but first holder must be 60+
Documents Required for Senior Citizen Savings Scheme
How to Apply for Senior Citizen Savings Scheme Online?
- 1नजदीकी Post Office या SBI/Bank की शाखा में जाएं
- 2Form A (SCSS account opening) भरें
- 3Aadhaar, PAN, age proof और फोटो जमा करें
- 4₹1,000 से ₹30 लाख तक deposit करें (₹1,000 के multiples में)
- 55 साल maturity period — quarterly interest payment
- 6SBI Yono App या Post Office से online भी apply कर सकते हैं
Official Government Portal
www.nsiindia.gov.in is the only authorised application channel, and the government charges nothing there — never pay anyone to apply on your behalf.
🔗Apply on www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=89