आज वर्ल्ड सीनियर सिटीजन डे: पोस्ट ऑफिस सीनियर सिटीजन्स सेविंग्स स्कीम में मिल रहा 8.20% ब्याज, जानें स्कीम से जुड़ी खास बातें

Today, i.e. 21st August is World Senior Citizens Day. The government is running many types of investment schemes for senior citizens, one of them is the Post Office Senior Citizens Savings Scheme. Currently, 8.20% annual interest is being given in this scheme. Today on World Senior Citizen Day, we are telling you about this scheme…

You can invest a maximum of Rs 30 lakh
Under the Post Office Senior Citizens Savings Scheme, an account can be opened for just Rs 1000. A maximum of Rs 30 lakh can be invested in this scheme. This scheme is giving 8.2% annual interest. At the same time, the country’s largest bank SBI is giving 7.50% interest to senior citizens on 5-year fixed deposit (FD). That is, more interest is being given in this scheme than FD.

The maturity period is 5 years
The maturity period of this scheme is 5 years. That means you have to invest in this scheme for 5 years. However, you can close the account even before 5 years, but you have to pay a penalty for doing so.

Get the benefit of income tax exemption
Investing under this scheme gives you the benefit of tax exemption under Section 80C of the Income Tax Act. That is, if you invest up to Rs 1.5 lakh in it, you can claim tax exemption on this amount. However, the interest received under this scheme is taxable. You can also open a joint account under this scheme.

Any senior citizen can open an account
The account can be opened by visiting the post office after the age of 60 years or more. However, a person taking VRS who is above 55 years but below 60 years can also open this account.

Apart from this, people who have retired from the Defense Department and are above 50 years and below 60 years of age can also invest in this scheme. However, in this situation, the investment has to be made within 1 month of retirement. Click here for more information related to the scheme

Understand here how much you will benefit by investing in it
If you invest 1 lakh rupees in this scheme, then after 5 years you will get a total of 1 lakh 50 thousand 471 rupees. On investing 2 lakh rupees, you will get 3 lakh 943 rupees. See here how much money you will get after 5 years by investing so much money…