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The scheme aims to benefit the senior citizens by providing them a simple and high yielding channel for investing their money. It is governed by the Senior Citizens Saving Scheme Rules, 2004. The scheme currently operates through post offices and branches of public sector banks designated for this purpose.
| Table of contents |
Eligibility
There are two categories of individuals who are eligible to invest in the Senior Citizen Saving Scheme (SCSS). These are:
- Those citizens who are 60 years or above on the date of opening an account.
- Those who are at least 55 years of age are allowed to invest in the scheme provided they have already retired.
An amendment made to the scheme on October 27th, 2004 opened the scheme to all those who had retired any time before the commencement of the scheme and attained the age of 55 years or more on the date of opening of an account. Such individuals were required to open an account within a period of one month of the date of amendment to the scheme, that is by 26th November, 2004. In the latest notification, it has also been made clear that the retired personnel of Defense Services (excluding Civil defense Employees) shall be eligible to subscribe to this scheme irrespective of the above age limit.
Non Resident Indians and Hindu Undivided Families are not eligible to invest in this scheme. However, if a depositor subsequently becomes a Non Resident Indian during the currency of his account, the account can continue till it matures.
Operational Framework
Deposit/Investment
Money is invested in the scheme through a single deposit. The minimum amount required to be invested is Rs. 1000 and the maximum is Rs. 15 lakhs. The amount of investment has to be in multiples of Rs. 1000. The money can be deposited in any designated post office or bank. In order to invest in the scheme, a person has to file an application in Form A, available for this purpose along with the amount of deposit and age proof. The depositors also need to attach certain other documents with the application form. The documents include a certificate from the employer stating that the depositor has retired, retirement benefits he is eligible to and the period of employment with the employer.
According to a notification by the Government, dated October 27th, 2004, the investment has to be made within a period of one month of retirement. However the deposit can be made either in cash or through a cheque / demand draft. If the deposit is made through a demand draft, it should be drawn in favour of the deposit office or drawn in favour of the depositor and endorsed in favour of the deposit office.
Interest
The scheme is highly beneficial for the senior citizens because of the high rate of interest it provides. It currently provides interest at the rate of 9%. The interest is credited to the members' accounts quarterly that is, 31st March, 30th June, 30th September and 31st December each year.
Maturity
The scheme has a maturity period of five years which can be extended upto another three years. However investors are permitted to prematurely liquidate their investments at any time after the expiry of one year from the date of opening of the account. This is subject to the following conditions:
- In case the account is closed after the expiry of one year but before the expiry of two years from the date of opening the account, an amount equal to 1.5% of the deposit would get deducted.
- In case the account is closed on or after the expiry of two years from the date of opening the account, an amount equal to 1% of the deposit shall be deducted.
The depositor availing of the facility of extending the account can at any time after the expiry of one year from the date of extension withdraw the deposit and close the account without any deduction.
Nomination
A member of the scheme can nominate one or more persons who would receive the amount due in case of his death. The nomination has to be filed in Form C available for this purpose. The nomination can be filed at the time of opening the account or later. The depositor can modify the nomination from time to time by an application to the deposit office, accompanied by the pass book. Nomination facility is also available in case of a joint account. However, in case of a joint account, the joint holder would have the first claim on the due amount in the case of death of the depositor.
In a situation, where no nomination has been made, the amount standing in the account would be paid to the legal heir in case of death of the member.
Account and pass book
The account can be opened either in a single person's name or as a joint account. The joint account has to be in the name of spouse only. The depositor can operate more than one account, provided that all deposits when taken together does not exceed the prescribed amount of Rs. 15 lakhs. Only one deposit can be made in each account. Furthermore, no two accounts can be opened in the same post office during a calendar month.
On the day of opening the account, the post office issues a pass book in the name of the depositor(s). The pass book contains all the details about the account and depositor(s), like date of opening the account, account number, name of the depositor, his/her photograph, address, amount that is entered in the pay in slip, date when the amount would be due and quarterly interest rate.
Tax rules
The amount deposited is tax free. Interest income from the Senior Citizen's Savings Scheme is fully taxable. However income up to Rs 1.5 lakh is already exempt from tax for senior citizens. Therefore even if a person exhausts the Rs 15-lakh-investment ceiling, he will attract a tax liability only if he has other sources of income. This is because the annual income from this investment will be less than Rs 1.5 lakh.
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