जानिए क्यों Senior Citizen Saving Scheme में निवेश नहीं करना चाहिए

Senior Citizen Saving Scheme एक सरकारी स्कीम है जिसमें 60 साल से ज्यादा उम्र के लोग निवेश करते हैं

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Senior Citizen Saving Scheme पांच साल की योजना है जिसमें सालाना 8.2% रिटर्न मिलता है

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Senior Citizen Saving Scheme में निवेश करने से पहले क्या आप इसके नुकसान जानते हैं

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Senior Citizen Saving Scheme में एक बार जो ब्याज दर तय हो जाता है वह 5 साल तक रहता है

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सरकार ने अप्रैल-जून तिमाही के लिए SCSS का ब्याज दर 8.2% तय किया है

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इसके मायने है कि जिन लोगों ने पहले से इस स्कीम में निवेश किया है उन्हें इसका फायदा नहीं होगा

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SCSS पर अगर सालाना ₹50,000 से ज्यादा ब्याज मिलता है तो उस पर TDS कटेगा

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SCSS में हर तिमाही में ब्याज मिलता है। अगर अकाउंट होल्डर ने ब्याज पर दावा नहीं करते हैं तो ये पैसे उन्हें नहीं मिलेंगे

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इस स्कीम में सिर्फ 60 साल से ज्यादा उम्र के लोग ही निवेश कर सकते हैं

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SCSS में लॉकइन पीरियड पांच साल का है यानि आप इससे पहले पैसा नहीं निकाल सकते हैं

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अगर आप 5 साल से पहले पैसा निकालते हैं तो आप पर पेनाल्टी लगेगी

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