SCSS Calculator
Estimate SCSS quarterly income, total paid interest and principal returned, with an adjustable rate and five-year or extended-tenure planning assumptions.
यहाँ से शुरू करें
- क्या भरें
- वरिष्ठ नागरिक बचत योजना की जमा, लागू सालाना दर और अवधि भरें।
- नतीजे का मतलब
- तिमाही भुगतान हर तीन महीने का ब्याज है; मूलधन परिपक्वता पर अलग मिलता है।
उदाहरण और सीमाएँ देखें
- आसान उदाहरण
- ₹3 लाख पर उदाहरणात्मक 8.2% से कर से पहले ₹6,150 प्रति पूरी तिमाही मिलते हैं।
- ध्यान रखें
- डिफॉल्ट दर सिर्फ जुलाई–सितंबर 2026 के लिए जाँची गई है। पात्रता, सीमा और विस्तार की दर जाँचें। अधूरी पहली/अंतिम तिमाही का हिसाब नहीं है; चक्रवृद्धि नहीं होती।
अपना परिणाम कैलकुलेट करें
अपने आँकड़े दर्ज करें। बदलाव के साथ अनुमान और चार्ट अपडेट होंगे।
वरिष्ठ नागरिक बचत योजना
डिफ़ॉल्ट दरें केवल जुलाई–सितंबर 2026 के लिए सत्यापित हैं। अक्टूबर–दिसंबर 2026 की दरें सत्यापित नहीं हैं; खाता खोलने की तारीख की दर की पुष्टि करें। भविष्य में दरें बदल सकती हैं।
ब्याज का तिमाही भुगतान होता है, पुनर्निवेश नहीं। यह पूरी तिमाही का कर-पूर्व अनुमान है; पहला/अंतिम भुगतान खाता खोलने की तारीख पर निर्भर करता है। विस्तार 3-वर्ष के खंडों में होता है; भविष्य में दरें बदल सकती हैं।
- त्रैमासिक भुगतान
- ₹30,750
- ₹1,23,000 प्रति वर्ष
- कुल ब्याज
- ₹6,15,000
- ₹6.15L
- मूलधन वापस
- ₹15,00,000
आपके आँकड़ों का मतलब
That works out to about ₹10,250 a month.
SCSS pays interest every quarter, so set aside part of each payout to cover the months in between.
Over 5 years you receive ₹6.15L in interest, 41% of your deposit.
Your principal comes back in full at maturity; interest is paid out rather than compounded.
After 6% inflation, your real return is about 2.1% a year.
Payouts stay fixed for the whole tenure, so their buying power falls a little every year.
Investing the maximum ₹30 lakh would pay ₹61,500 a quarter.
₹30 lakh is the per-person limit; an eligible spouse can open a separate account with their own limit.
त्रैमासिक ब्याज आपके स्लैब पर अन्य स्रोतों से आय के रूप में कर योग्य है। वार्षिक ब्याज ₹50,000 से अधिक होने पर 10% TDS लागू।
अपनी गणना समझें
SCSS is a government savings deposit for resident individuals aged sixty or above and qualifying retirees under special age conditions. The deposit ceiling is ₹30 lakh per individual. The default 8.2 percent is verified for July–September 2026 only, not October–December. Interest is paid quarterly and is not reinvested in the account; principal is returned at maturity.
SCSS Calculator क्यों उपयोग करें
SCSS is a government-backed income product for eligible Indian senior citizens. The calculator helps you plan the quarterly cash flow it generates, compare it against POMIS and senior citizen FDs, and decide how much to lock into SCSS versus other income sources. The maximum deposit was raised from ₹15 lakh to ₹30 lakh by the Finance Act 2023, so the planning math has changed for many retiring couples.
एक नज़र में लाभ
Quarterly payout at the notified rate
The 8.2 percent default is verified for July–September 2026. Full-quarter interest is deposit times annual rate divided by four, rounded to rupees. The first and final instalments depend on opening/maturity dates and may be prorated; those date-specific amounts are not modelled.
Section 80C eligible at deposit
The initial deposit qualifies for Section 80C deduction up to the ₹1,50,000 cap under the old regime. Subsequent quarterly interest is taxable as income from other sources.
Up to ₹30 lakh per individual
Post the Finance Act 2023, the per individual cap is ₹30,00,000. A retiring couple can deposit up to ₹60 lakh combined across two SCSS accounts.
Extendable beyond five years
After the five year term, SCSS can be extended in three year blocks. Interest continues at the rate notified at the time of extension.
Free, private and instant
Inputs never leave your browser. No login, no email, no tracking.
SCSS Calculator कैसे उपयोग करें
- 1
Enter the deposit amount
Up to ₹30,00,000 per individual, in multiples of ₹1,000. The minimum is ₹1,000. A retiring couple can deposit up to ₹60 lakh combined across two accounts.
- 2
Confirm the tenure
Choose five years, or eight/eleven years to model three-year extension blocks. The calculator assumes one unchanged rate throughout; actual extension rates are set by the applicable scheme rules at the time and may differ.
- 3
Adjust the interest rate if needed
The last rate verified here is 8.2 percent for July–September 2026. Confirm the current opening-date notification. A future extension is not guaranteed to keep the rate you entered.
- 4
Read the payout schedule
The result card shows the quarterly payout, the annual cash flow it generates, the total interest over the term and the principal returned at maturity.
उदाहरण
₹15 lakh in SCSS at 8.2% for five years
The quarterly payout is `round(15,00,000 × 8.2 ÷ 100 ÷ 4)` = ₹30,750. That's ₹1,23,000 a year and ₹6,15,000 over 20 quarters, with the ₹15,00,000 deposit returned at maturity. Using the full ₹30 lakh limit doubles the payout to ₹61,500 a quarter, or ₹12,30,000 over five years.
- Deposit
- ₹15,00,000
- Rate and tenure
- 8.2%, 5 years (20 quarters)
- Quarterly payout
- ₹30,750
- Annual payout
- ₹1,23,000
- Total interest
- ₹6,15,000
- Principal returned
- ₹15,00,000
Because payouts aren't reinvested, the ₹15 lakh is still ₹15 lakh after five years. Plan to reinvest part of the interest if you want the principal to keep pace with inflation.
इसकी गणना कैसे होती है
SCSS pays simple interest, so the method is short: quarterly payout = round(deposit × rate ÷ 100 ÷ 4). The number of quarters is round(years × 4), so 5 years is 20 quarters, 8 years 32 and 11 years 44.
Annual payout is quarterly payout × 4, total interest is quarterly payout × quarters, and the maturity amount is just the original deposit. Interest isn't compounded inside the account. The model uses one rate for the whole term, including any extension, and doesn't prorate the first or last quarter or deduct TDS.
अक्सर पूछे जाने वाले प्रश्न
Who is eligible for SCSS?
Resident individuals aged sixty or above normally qualify. Civilian retirees aged fifty-five to sixty and eligible retired defence personnel aged fifty or above have special conditions linked to retirement benefits and account-opening timing. November 2023 amendments changed these conditions; confirm the current requirements with the accounts office. NRIs and HUFs cannot open SCSS.
What is the current SCSS interest rate?
The verified rate is 8.2 percent for July–September 2026, paid quarterly. October–December 2026 has not been verified. New deposits and extensions must use the rate prescribed for the relevant opening/extension date.
Is SCSS interest taxable?
Interest is taxable at your slab rate. From 1 April 2025, the usual notified post-office interest TDS threshold is ₹1 lakh for senior citizens and ₹50,000 for other eligible depositors. TDS, generally ten percent with valid PAN, is credit against final tax. The initial deposit can qualify for Section 80C only under the old regime and within available headroom.
Can I withdraw SCSS before maturity?
Premature closure changes the payout and is not included here. Closure within the first year requires recovery of interest already paid; after one year but before two, a 1.5 percent principal deduction applies; after two years, one percent ordinarily applies before maturity. Extension-block closure rules differ, so obtain an actual settlement quote from the accounts office.
What is the maximum deposit in SCSS?
Post the Finance Act 2023, ₹30,00,000 per individual across all SCSS accounts. A retiring couple can deposit up to ₹60 lakh combined. The cap was raised from the previous ₹15 lakh to better suit larger retirement corpuses.
SCSS versus a senior citizen fixed deposit?
SCSS currently pays a higher rate than most senior citizen FDs and offers Section 80C on the deposit. FDs are more flexible on tenure and amount but typically taxed at slab without 80C. Many retirees use SCSS for the bulk of safe income and FDs to ladder the rest.
Can SCSS be extended beyond five years?
Yes. After the initial five year tenure, the account can be extended in blocks of three years. Each extension carries the rate notified at the time of extension and can be closed prematurely after one year of the extension with no penalty.