SCSS ke niyam: khata kholne se pehle ye jaan lein
Senior Citizen Savings Scheme ka khata koi bhi Bharatiya nagrik 60 saal ki umar ke baad khol sakta hai. Kuch khaas sthitiyon me 55 se 60 saal ke beech ke log bhi iske patra hote hain — jaise seva-nivritti (superannuation) ya VRS lene wale, lekin unhe apni nivritti ke labh milne ke ek mahine ke andar khata kholna hota hai aur uska saboot dena padta hai. Rakam ek saath jama hoti hai: kam se kam ₹1,000, aur ek vyakti ke saare SCSS khato ko milakar adhiktam ₹30,00,000. Khata post office ya chuni hui bank shakha me khulta hai.
Byaaj har teen mahine me milta hai aur khata 5 saal me paripakv hota hai. Paripakvta ke baad khata ek baar 3 saal ke liye aur badhaya ja sakta hai — iske liye samay par aavedan karna hota hai. Beech me khata band karna sambhav hai, lekin 1 saal se pehle band karne par byaaj nahi milta; 1 se 2 saal ke beech mool rakam se 1.5% aur 2 se 5 saal ke beech 1% ki katauti hoti hai. Isiliye ye paisa wahi rakhein jiski beech me zaroorat padne ki sambhavna kam ho.
Tax ki baat saaf hai: SCSS ka byaaj aapki kul aay me judta hai aur aapke slab se tax lagta hai. Ek vitt varsh me byaaj ₹50,000 se zyada ho to TDS kat-ta hai. Byaaj par mil rahi rakam ko "tax-free" samajhne ki galti aksar log karte hain — calculator jo kul byaaj dikhata hai, wo tax se pehle ka number hai.
🧮 Ek aur hisab: ₹10 lakh jama karne par kya milega?
Maan lijiye koi bujurg ₹10,00,000 jama karta hai aur dar is calculator ki vartamaan 8.2% hi rehti hai. Har quarter ka byaaj = ₹10,00,000 × 8.2% ÷ 4 = ₹20,500. Ek saal me chaar kisto ka kul byaaj ₹82,000 hua, aur pure 5 saal me ₹4,10,000 sirf byaaj se ayega. Paripakvta par mool ₹10,00,000 alag se wapas milega. Ye hisab dar sthir maan kar hai — sarkar dar badle to aage ki kistein nayi dar se ayengi.