क्यों फायदेमंद है सीनियर सिटीजन सेविंग स्कीम्स में निवेश करना?

Aishwarya Awasthi May 12,2024

सीनियर सिटीजन सेविंग स्कीम (SCSS) के बारे में लोग जानते हैं.

[{"selector":"#anim-4c88a618-f61b-4a41-a05e-e3537e2ae7b9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce637230-3983-4308-b8a7-b4876f0a0a59","keyframes":{"transform":["translate3d(0px, 155.32571%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10cb933e-1776-411d-9e95-6a838b71a313 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(11.363636243593534%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ये स्मॉल सेविंग्स कैटिगरी में सबसे आकर्षक योजना होती है.

[{"selector":"#anim-4aa71565-c78d-4d1e-8d12-120abf428711 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-8.739675649849232e-13%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-16226050-e20b-4a0f-b67c-a83459dcf394","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3e706b65-6e75-48b3-a7b5-d3555045e823","keyframes":{"transform":["translate3d(0px, 251.32853%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

तो जानेंगे किन 7 वजहों से इसमें निवेश करना फायदेमंद है.

[{"selector":"#anim-710e209f-e584-4e57-81cc-57e3edd813ff [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d969effb-2869-4a44-90cc-9c775a840e0c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4efc982d-19c6-4da7-8759-2f19022702ba","keyframes":{"transform":["translate3d(0px, 246.54971%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

स्मॉल सेविंग स्कीम्स में इंटरेस्ट रेट SCSS पर ही मिलता है.

[{"selector":"#anim-f0750bf6-4930-492e-b3b1-b5cf25a90441","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-96b88234-905d-47e8-85f4-ca624cbd26d0","keyframes":{"transform":["translate3d(0px, 246.54971%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d8ee3e1-e69a-40cd-90c2-ea7f7474ab75 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-4.3831168550523145%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इसमें इंटरेस्ट रेट करीब 8.2 फीसदी के आसपास मिलेगा.

[{"selector":"#anim-31bd1d3b-7ce6-47fb-94f7-9ffcbb07cd93","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d3f8788-a0b5-4560-afa2-2c77cf4f26ea","keyframes":{"transform":["translate3d(0px, 247.60232%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-111336c3-d8f8-48a2-bd4d-4f6fdd14a746 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-8.32211821063104%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

SCSS में पैसा निवेश करने पर सेक्शन 80सी के तहत 1.5 लाख तक डिडक्शन का फायदा मिलेगा.

[{"selector":"#anim-c8b502c1-4a35-40c5-bf66-4d1e66a796c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bfd021fb-3cb3-424e-9f7a-d15c576f02bb","keyframes":{"transform":["translate3d(0px, 180.94017%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a1a0aa14-809a-48ac-b98d-7fd299c82095 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एक व्यक्ति पर मैक्सिमम निवेश लिमिट 30 लाख रुपए मानी जाती है.

[{"selector":"#anim-dd4e7cd1-0895-4548-9382-94374200dc1c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6671061b-98b4-4ea5-ace1-8b03bb784930","keyframes":{"transform":["translate3d(0px, 162.22225%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f516d2f0-30c7-4dc7-95c5-612104a2209e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

हालांकि स्पाउस के साथ मिलकर आसानी से 60 लाख तक निवेश कर सकते हैं.

[{"selector":"#anim-ddef7134-45a9-47c4-9e63-9923949ffdb4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62ab2faa-9cad-48ff-b22e-99a795a054f5","keyframes":{"transform":["translate3d(0px, 161.53261%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c8edc35-3eef-4c2f-b37b-793993734a94 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.6727229666616732%, -20.32520217957564%) scale(1.4065040650406504)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

खास बात ये है कि इस स्कीम में एकमुश्त निवेश करते हैं.

[{"selector":"#anim-a545b1f7-9a94-4f2d-a044-7cd653383bb6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-48829b9d-9abf-4dc0-beb5-5cbcc5b4d958","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5ea0db6-2536-4b37-a576-f39a891c4f45","keyframes":{"transform":["translate3d(0px, 246.54971%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इसमें हर तिमाही इंटरेस्ट का भुगतान भी किया जाता है.

[{"selector":"#anim-1eb2d4a4-7ddb-4d03-babe-7fa9bbf203ed [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(21.1864406779661%, -21.186439249538363%) scale(1.423728813559322)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9c11a2af-4901-4022-951e-9fa373989173","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-194c6d4d-b241-428f-8939-fcc81280e264","keyframes":{"transform":["translate3d(0px, 246.54971%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.