Topic
The Senior Citizens Savings Scheme is a government savings scheme for people aged 60 and above, offered through post offices and banks.
22 storiesLatest 21 Sept 2026, 22:13 IST
Retirement/
Atal Pension Yojana pays a Central Government-guaranteed Rs 1,000-5,000 monthly pension for life. See the official contribution chart, tax rules and how APY compares with SCSS and PPF drawdown.
Retirement
SCSS pays 8.2% for Q2 FY 2026-27 with a Rs 30 lakh per-person cap and a 5+3 year tenure. We compare it with POMIS and NSC, work a Rs 30 lakh drawdown and set out the tax.
Retirement
POMIS pays 7.4% for Jul-Sep 2026, credited monthly. We compare it against SCSS at 8.2%, work through the tax on the interest, and run a five-year Rs 15 lakh drawdown.
Retirement
SCSS pays 8.2% for Jul-Sep 2026, unchanged since April 2023. The Rs 30 lakh rules, Form 121 and section 393 TDS under the new Income-tax Act, and a five-year drawdown for a couple.
Retirement
SCSS pays 8.2% for Q2 FY 2026-27 with a Rs 30 lakh individual limit, a 5-year tenure and quarterly interest. A worked drawdown, the tax on interest, and how it compares with POMIS.
Retirement
NPS is open to any Indian citizen aged 18 to 85, so you can start a fresh account after 60. Here is how the late-entry rules, tax on withdrawal and a worked drawdown versus SCSS actually work for FY 2025-26.
Retirement
SCSS pays 8.2% for Q2 FY 2026-27 on a lump sum up to Rs 30 lakh, credited quarterly. How the Rs 30 lakh limit, TDS, and slab tax compare with PPF for retirement income.
Retirement
SCSS pays a fixed 8.2% quarterly on up to Rs 30 lakh for resident seniors aged 60+. We compare it with POMIS and senior-citizen FDs and work a full five-year drawdown ladder.
Retirement
PFRDA fixes NPS exit at 60 to a 40% compulsory annuity and up to 60% tax-free lumpsum, with full cash allowed only below Rs 5 lakh. Rules, tax and a worked Rs 1 crore drawdown.
Retirement
The PFRDA Exits and Withdrawals Amendment Regulations 2025 keep the 40% annuity, 60% lump-sum split. Here is how NPS retirees cash out, the tax, and SLW vs SCSS drawdown.
Retirement
SCSS pays 8.2% on up to Rs 30 lakh with quarterly income. See how it beats POMIS for retirement drawdown, the tax on withdrawals, and a full five-year income schedule.
Retirement
SCSS pays 8.2% per annum, credited quarterly, on up to Rs 30 lakh per person. How it beats PPF as a retirement drawdown engine, the tax on its interest, and a full five-year worked example.
Retirement
The PFRDA 2025 amendment keeps the 40% annuity, 60% tax-free lump sum split. We compare a lifetime annuity against Systematic Lump Sum Withdrawal and SCSS for NPS drawdown.
Retirement
SCSS pays 8.2% quarterly with a Rs 30 lakh cap and 5-year lock-in. We compare it with POMIS and PPF, break down the tax, and run a full Rs 30 lakh drawdown.
Retirement
Atal Pension Yojana guarantees a fixed monthly pension of Rs 1,000 to Rs 5,000 from age 60 for life. Here are the five slabs, the 18-40 age rule, the 1 October 2022 taxpayer bar, and a worked drawdown versus SCSS and NPS.
Retirement
SCSS pays 8.2% quarterly on up to Rs 30 lakh for 5 years, extendable in 3-year blocks. A full guide to the rules, slab tax on interest, and a worked five-year retirement drawdown.
Tax
Resident senior citizens aged 60+ can claim up to Rs 50,000 against bank, post office and SCSS interest under Section 80TTB, but only in the old tax regime. Here is how to claim it correctly.
Retirement
SCSS pays 8.2% for Q1 FY 2025-26 with a Rs 30 lakh per-person cap raised in April 2023. We cover eligibility, TDS and Form 15H, tax on interest, and a five-year drawdown worked against POMIS.
Retirement
NPS systematic withdrawal versus SCSS quarterly interest for a 60-year-old with a Rs 50 lakh corpus. We compare the 8.2% SCSS rate (Q1 FY 2025-26), the 60% tax-free NPS rule, and the PFRDA SLW window to age 75.
Retirement
SCSS pays 8.20 per cent for Q1 FY 2026-27 with a Rs 30 lakh per-person cap. How spouses lift the family pool to Rs 60 lakh, the TDS under Section 194A, and a worked drawdown.
Retirement
SCSS pays 8.20% fixed for 5 years with a Rs 30 lakh cap and Section 80C eligibility; the RBI FRSB pays 8.05% floating for 7 years with no cap. Here is the post-tax math for FY 2025-26.
RBI
The government maintains small savings rates for April-June 2026, keeping PPF at 7.1% and Senior Citizens Savings Scheme at 8.2%. Here is how they compare with alternatives.
