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AIC ai companions in India for beginners ✌️【Job Application】✌️A trusted platform for online earnings. Start small and make big profits monthly! SCSS Calculator: The Senior Citizens Savings Scheme (SCSS) is a savings option for individuals aged 60 or older with some exemptions on age.
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The interest rates for small savings scheme, including Senior Citizen Savings Scheme, are assessed on a quarterly basis by the Ministry of Finance.
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If an account holder does not claim the interest payable each quarter, the unclaimed interest will not accrue additional interest.
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For SCSS accounts at CBS Post Offices, monthly interest can be credited into a savings account at any CBS Post Office.
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Joint accounts can only be opened with a spouse.
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There shall be only one deposit in the account.
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In the case of an excess deposit, it is immediately refunded to the depositor.
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Interest becomes taxable if the total interest across all SCSS accounts exceeds Rs 50,000 in a financial year, with TDS deducted at the prescribed rate.
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The extension must be applied for within one year of maturity, and the extended account will earn interest at the prevailing rate.
Extended accounts can be closed without deductions after one year from the extension date.
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In case of the account holder's demise, the account earns interest at the prevailing Post Office Savings Account rate.
If the spouse is a joint holder or sole nominee, the account can be continued till maturity if they are eligible and don't hold another SCSS account.
The Senior Citizen Savings Scheme account allows for early closure at any time, with varying deductions based on the closure period.
If closed within one year, no interest is paid, and any interest received is deducted from the principal.
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To open a Senior Citizen Savings Scheme account, fill out the application form, nomination form, and provide necessary KYC documents (PAN and Aadhaar), photos.
You can have multiple SCSS accounts, but the total deposit in all accounts shouldn't exceed Rs 30 lakh.AIC ai companions in India for beginners ✌️【Job Application】✌️Invest with ₹500 and earn up to 100% monthly. Start growing your money now!
