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PPF & NPS

Senior Citizen Savings Calculator

Calculate returns on Senior Citizen Savings Scheme deposits with quarterly interest payouts.

Senior Citizen Savings Calculator — Calculate returns on Senior Citizen Savings Scheme deposits with quarterly interest payouts. Use FinWiz24's free senior citizen savings calculator for accurate results.

Formula

Quarterly Payout = Deposit × Rate/4

Deposit Amount, Annual Rate %, Tenure (Years)

Results

Enter values above to see results

Formula

Quarterly Payout = Deposit × Rate/4

Senior Citizen Savings Scheme (SCSS) offers 8.2% p.a. interest payable quarterly. Deposits up to ₹30 lakh qualify. The tenure is 5 years, extendable by 3 years. TDS is deducted if interest exceeds ₹50,000 per year.

Example

A Senior Citizen Savings Scheme deposit of ₹15,00,000 at 8.2% p.a.

Input Values

Deposit Amount (₹)₹15,00,000.00
SCSS Rate (% p.a.)8.2%
Tenure (years)₹5.00

Calculation

Applying the formula with the input values above:

Results

Quarterly Payout

₹30,750.00

Total Interest

₹6,15,000.00

How to Use This Calculator
  1. 1Enter the deposit amount (minimum ₹1,000, maximum ₹30 lakh per account).
  2. 2The current SCSS interest rate is 8.2% p.a. payable quarterly.
  3. 3Select the tenure (5 years, extendable by 3 years once).
  4. 4TDS is deducted if annual interest exceeds ₹50,000 (provide Form 15H to avoid).
  5. 5This is ideal for senior citizens seeking regular quarterly income.