11 Best Investment options for senior citizens 2024 | New Schemes and 100% Secure Schemes 2024
100% Secure investment plans for Senior citizens in India. Top 11 investment options that can help senior citizens FD, RD, SCSS, GILT fund, MIS, Govt bank FD, Private Bank FD, Small Finance Bank FD, Gold SGB.
#BestPlansForSeniorCitizen #SeniorCitizensSavingSchemes #BestFDSeniorCitizens #BestGovtSchemes #BestMutualFundForSeniorCitizens
SBI Annuity Deposit Scheme - • SBI Annuity Deposit Sc...
TimeLine for Best Investment Schemes for Senior Citizens :
0:00 Introduction
0:30 Term Insurance and Mutual Fund Investment or not?
3:00 Best Scheme for regular Income on Monthly basis
3:36 SCSS Schemes 2024
5:08 RD Interest rates
5:30 Private Bank RD Interest rates
5:46 Govt Bank RD Rates
5:59 GILT Fund Investment 2024
7:15 MIS Scheme 2024
7:50 Senior Citizens schemes for Long term
8:22 Govt Bank FD Interest rates
8:54 Private bank FD Rates 2024
9:13 Small Finance bank FD Rates
9:30 Gold investment for Senior Citizens
10:30 NSC Scheme
10:56 KVP Schemes
11:37 best Mutual Fund for senior citizens
🔹Senior citizens Highest RD rates
🔹Senior citizens Highest Saving account Rate
🔹 Senior citizens Jana Bank FD rates
🔹 Senior citizens IndusInd bank FD rates
- Small Finance Bank Rates
- Government bank FD rates
- Max Interest Tenure
✅ Best Bank for FD & RD Interest rates 2024 FEB : • Video
✅ बैंक में ज्यादा पैसा रखने के नुकसान - • बैंक में ज्यादा पैसा र...
✅ घर में कितना CASH रख सकते हैं - • घर में कितना CASH रख स...
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Пікірлер: 764
Senior citizens they have paid tax throughout their life. Now government should offer them some dignity and should not make a taxable. I totally agree with your viewpoint.
@sundarshah2414
3 ай бұрын
govt. will not listen this suggestion
@KrishnamurthySrinivasan-iw8hn
2 ай бұрын
I also agree with your views for tax exemptin
@kusumtalati61
Ай бұрын
Scss skim textmad karana chahiye
Yes income on SCSS scheme should be tax free.Govt. should considered this issue.
Agreed sir, Requesting the govt to please exempt the interest on scss from income tax. Thanks.
@hsrustagi8610
4 ай бұрын
you Daryaganj the
@sundarshah2414
3 ай бұрын
govt. will not listen this suggestion
@aditichoudhury1520
3 ай бұрын
Can an individual invest 30 lakhs each in two different banks under SCSS?
100% सही कह रहे है।टैक्स मे छुट होनी ही चाहिए। इस सरकार का निगेटिव प्वाइंट है।
Very informative Yes the intrest on SCSS tax should be free
वास्तव में सीनियर सिटीजन का ब्याज आयकरमुक्त होना चाहिए और ब्याज भी बढ़ना चाहिए
@amrapali-gs3co
Ай бұрын
FEKU ko vote kiya toh nahi hoga
Good informative video. As a senior citizen I request Government to exempt the interest of SCSS as tax free.
@amrapali-gs3co
Ай бұрын
They don't care about SENIOR CITIZENS. They only bother about ADANI
Yes, सीनरीसिटिजन मेडिकल के खर्चे बहुत होते हैं, कभी कभी तो यह सारे पैसे इसी में खर्च होजाते हैं
@SahajInfo
22 күн бұрын
Yes - Medical inflation is very high
Yes, I totally agree with you that tax for income generated out of fixed deposit should not be levied.
Very informative.....yes scss should be tax free.....
Namaskar sirji( both) You are absolutely right SSSC ka income TAXFREE hi hona chahiye👍
Nice vedio for senior citizens please keep going such Vedios i shall become senior citizen arter one and half year now I shall start thinking regarding these schemes thanks and regards both of you 🙏🏿🙏🏿
@SahajInfo
5 ай бұрын
Thanks for motivation - these words matter a lot
100 percent agree with u,intrest of SCSS will be tax free.
Sir, thank you very much for giving very useful tips for senior citizens. Best wishes.
Very informative Yes the intrest on SCSS should be tax free
Very long awaited information. Anyhow thankQ Sirs, VERY GOOD INFORMATION. Please keep up.
@SahajInfo
5 ай бұрын
Always welcome
Yes, for Sr Citz,it should be absolutely TAX FREE.
SCSS AND MIS OF POST OFFICE SHOULD BE TAX FREE FOR Sr. citizen.
I also agree. Inflation is high. Govt.should see the rate of Pulses,Vegetables, Milk,Medical expenses,Monthly Electricity Bill's,Maintainens charges of flat.etc.
senior citizens scheme should be fully tax-free.
@user-pl8km9gr3u
3 ай бұрын
Income tax
@Bets009
20 күн бұрын
😂😂
Very nice explanation Sir.... Bundle of info in a small videos... Thanks a lot
Yes. Senior citizen should get tax free benefit.. whole life paid tax now atleast must give excemption
Sir bahut achha explain kiya..Thank you so much.
Yes you are very correct
SIR JI AAP KA SUGGESTION BILKUL SAHI HAI , SENIOR CITIZEN SAVINGS SCHEMES PER GOVERNMENT MUST NOT LEVIY ANY TAX , NO TAX . IT'S A REQUEST FORM SENIOR CITIZENS.
You are right sir. Interest on the deposit for sinior citizens savings scheme should be tax free. Government should consider this for sinior citizens savings scheme
Namaste Sir. Bahut acchi tarah se samjane ke liye dhanyvad🙏🙏🙏
@SahajInfo
3 ай бұрын
Most Welcome and thanks for your motivation
100%agree with you interest of scss will be tax free.
Agreed yes govt should consider it
I salute you sir Govt Ignores form 15H also I m sr citizen J&K
Yes your right sir, ScSs should be exempted from tax and extended for again 5 years
Agree interest on SCSS should be made tax free
Absolutely, govt must make SCSS completely tax free I hope Maulana Modi gives thought about this scheme in the interest on ndianf elderly. people
@SahajInfo
5 ай бұрын
SCSS completely tax free
Scss tax free hona chahiye bilkul
Yes u r right interest tax free hona chahea
Yes...SCSS ME INTREST TAX FREE HONA CHAHIYE.TDS BILKUL NAHI HONA CHAHIYE.
Thanks for informing
Jee haan sir ji 🙏🙏interest should be tax free for senior citizens ashish and vinay ji 🙏🙏
@SahajInfo
5 ай бұрын
Right - demand is for SCSS atleast
For senior citizens, upto 10 lacs, income p.a. there should be no tax. Difficult to earn but medical and other expenses increases. Govt.not giving any comfort or medical benefit for middle class. Difficult to live after retirement.
@SahajInfo
4 ай бұрын
Well said and it should be considered
@jeroounwalla79
4 ай бұрын
@@SahajInfo No, it is not 'it should be consideted' but it MUST be considered. KAM
बेहतरीन information
@SahajInfo
5 ай бұрын
Thanks for nice comment
The Interest on Senior citizens Scheme should be interest free.
वरिष्ठ नागरिक जमा योजना में जमा राशि का ब्याज पूर्णतया करमुक्त होने से वरिष्ठ नागरिकों को बड़ी राहत मिलेगी।इस सम्बन्ध में केन्द्र सरकार को सहानुभूतिपूर्ण विचार जरूर करना चाहिए।
Was waiting for this much awaited video. Thank you so much ❤
@SahajInfo
5 ай бұрын
Hello Girish ji Happy to see your comment after long time. How are you? Thanks Ashish
@girishpotti2242
5 ай бұрын
@@SahajInfo All good. 😊 Sir I have a doubt. Post 5years of Senior citizen savings scheme can it be extended for another 3years for the initial investment period Interest rate or for 3years extension the current SCSS interest rate will be considered.
@SahajInfo
5 ай бұрын
It can be extended but with new rates We are missing your suggestion on New Video Topics
@girishpotti2242
5 ай бұрын
@@SahajInfo Many Thanks for your quick response. One request. I recently noticed that Quarterly interest paid out by Banks like Fincare and other small finance bank etc are paying out good interest for long term deposits. For example in Fincare , they have 8% interest for upto 60months investment term period and and total interest yield for 60months investment came upto 9%+. Is it possible to make a video on Quarterly interest payout FD vs yearly interest payout video. We investors should invest in quarterly payout FDs to maximize our long-term FD investment
Ashishji, Sr.Citizen ke liye samay samay par aise videos late rahiyega...🎉
@SahajInfo
5 ай бұрын
Bilkul Sir - next will be how to save tax and TDS for Sr Citizen
Yes Sir Sir. Citizen's ka interest TAX Free hona Chahiye saath hi Unke age ko dhyan me rakh kr unki sari Income Tax free honi Chahiye jisse vo aaram se apni life ji sake
Govt should also consider to start Safe mutual fund for Sr. Citizen
Thanks for the great information.
Great Sir 👍🙏🏻
@SahajInfo
5 ай бұрын
Thanks a lot
Thanks nice information
Absolutely true.
Informative, Ty
@SahajInfo
5 ай бұрын
You're welcome
Sir, video ke cover pr likha h 10 % interest rate. Pls clear which one of these investments is offering 10 % interest rate. Thanking you for superb videos.
Very good holistic info
Yes SCSS should be modified - increase the time length to 10 years and increase interest rate
Good Explanation
@SahajInfo
5 ай бұрын
Thanks and welcome
Yes,interest of sr.citizen scheme should be income tax free.
Senior citizens Scheme interest must be made tax Free. Govt. of must give a look to it.
@SahajInfo
5 ай бұрын
Govt must think of Sr Citizen
If it's done it will be great help.
Very good information 🎉🎉🎉
@SahajInfo
5 ай бұрын
Thanks a lot
Very nicely explained
Definitely. We all the sr. Citizens request the govt to make the int earned in scss tax free.
Yes 100%right
thank you for giving valuable information. Please elaborate usually one says that the return on mutual funds is 15-20%. Which is calculated on a base NAV of 10. But when we invest at an NAV of more than 30. It means the return will be 15/3%=5%. Please guide us, this is a very important subject to make a video on it.
Thanks je❤❤❤❤❤❤❤❤❤❤❤❤❤❤
I am 70 yrs paid Rs.19292 income tax out of scss interest. Additional rebate is required Union Government should consider our request for 2024- 25
Yes taxation on interest up to 6 lakhs should be free
Yes right.
Yes, it should be tax-free interest earned from sscs
agar hum SGB secondary market se buy karke premature redemption karwate hain, what would be tax implications?
Nice and informative video. Appreciate your efforts. I have a question please: my mother is a pensioner and recently sold land property. She is unaware of the ITR and tax etc. Should she proactively fill ITR ? tax will be cut automatically only right ? would she get any notice for the sold property as the money is in her account ?
100% agree with you, SCSS should be tax free.
You are right up to some limit as rs 5lac to int free if he have not govt pension
It is very unfortunate that taxes are levied on sccs scheme Even rly concessions are denied by rly. It is very very shameful. May pl highlights the issue.
Good ❤
@SahajInfo
5 ай бұрын
❤
Can you please have videos 1. schemes which are low risk with interest exemption 2. Schemes for senior citizens who have citizenship of foreign country but plan to live in India permanently as a resident Indian
Senior citizens scheme should be tax free.Being a senior citizen,we the middle class family fetching the problem to rundown our daily market, grocery shop etc.
Thanks
@SahajInfo
2 ай бұрын
Thanks a lot Rahul ji for Super Thanks
Govt should consider interest free scss interest.
Scss should be tax free.because most of the people don't have monthly pension or any other source of income.
Yes, Tax Rebate system should be incorporated.
Good idea see pl calculation. Being I am sr but due to tds i make fd in name of son. So scheme is failed see 8'2-10 percent=7':40 or 6:50 if 20 percent slab. Cancluded it is excemped as per your video that can stop flow to son
Bilkul Scss me Milne vala interest tax free hona chahiye
Hello, thank you for sharing such an important information for senior citizens investment options. I am a single (widowed) senior citizen aged 64 year. How can I invest 40 Lacs cash into health insurance plus guaranteed income savings plans for initial maturity period of five years. Please advise. Thank you.
Intrest on SCSS should be Tax free..Dr.Mahendra Patel Gandhidham Gujarat.
Sr.citizen really requires tax free income on SCSS of post office scheme and other schemes also. Govt. must think about it.
Yes intrest from SCSS should be tax Free
SCSS, Nsc, Rd, Saving scheme mae intrest Tds, Income tax free hona chiyae senior citizens ko. Sarkar nae yae karana cahiye.
SENIOR CITIZEN KA INTEREST CHHUT MILNA CHAHIYE KYONKI UNKE UPAR RETIERMENT KE BAD DHER SARI ZIMMEDARIYAN SIR PAR KHADI RAHTI HAI 🇮🇳🙏
Yes..for Senior citizens it should be tax free
Ye jo no TDS wale investment vehicles hai like NSC inke inrest honge unka taxation as per tax slab joga kya?
Government should judge interest as well as remove the tax. Keeping in mind should consider both two factors interest that applicable and removal of tax.
It should be interest free as senior citizen pay tax throughout earning till 60 yeas of age, so when his earning stop seeing inflation must be interest free
Entire interest of SCSS should be tax free.
@SahajInfo
5 ай бұрын
well said - its a need of hour for SCSS
SCSS scheme bilkul TAX FREE hona chahie.
Tax should be non taxable
@SahajInfo
5 ай бұрын
or govt can increase Sr Citizen FD tax limit
Yes,SCSS must be tax free up to the limit of returns on 30 Lakhs investment. Rate of interest to be 8.5 percent.
Yes, should be
What are the conditions to avail capital gain tax exemption if SGB are purchased from secondary market and redeemed as usual on maturity through RBI, that is on completion of 8 years from date of initial issue of SGB.
Sir can u tell me if nomination is mandatory? Inspire of 2nd holder?
Will you please tell me how much amount eligible under 80D that's Health Insurance Premium. Interest on Senior Citizens Scheme must be surely tax free.