SCSS Calculator

↻ Updated FY 2026-27

See the quarterly income from the Senior Citizens Savings Scheme (SCSS). Enter your investment to get quarterly payouts and total interest over the 5-year term.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Investment amount

Max ₹30 lakh

Interest rate

Quarterly payout

₹30,750

≈ ₹10,250/mo

Annual income

₹1,23,000

at 8.2% p.a.

Total interest (5 yr)

₹6,15,000

principal returned at end

What you get back over 5 years

Principal (returned)₹15,00,000

Total interest₹6,15,000

Income summary

Quarterly interest₹30,750

Annual interest₹1,23,000

Total interest over 5 years₹6,15,000

Maturity (principal back)₹15,00,000

ASSUMPTIONS — The Senior Citizens Savings Scheme pays simple interest every quarter (not compounded); your principal is returned at the end of the 5-year term (extendable by 3 years). The rate shown is for the Jul–Sep 2026 quarter and is revised quarterly by the Ministry of Finance; it is fixed at the rate applicable when you open the account. Interest is taxable and subject to TDS above thresholds.

Runs entirely in your browser — nothing you enter is sent to us.How this works

Embed this calculator

Related calculators

Post Office MIS FD NSC

Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.