Senior Citizen Savings Scheme
SCSS calculator for quarterly income and maturity value
Use this SCSS calculator to estimate quarterly payout, total 5-year interest, and maturity value for the Senior Citizen Savings Scheme using the current 8.2% annual rate.
Example payout
₹30,750.00 on ₹15,00,000
Supported range
₹10,000 to ₹30,00,000
Current rate
8.2% p.a.
Interest is paid every quarter rather than compounded inside the scheme.
Tenure
5 years
The calculator shows all 20 quarterly payouts across the standard SCSS term.
Maturity example
₹21,15,000.00
Example maturity value for the default ₹15,00,000 calculation.
What this SCSS calculator shows
A reusable landing page for the scheme, plus a live comparison tool for exact deposit amounts.
Enter any amount from ₹10,000 to ₹30,00,000 to see the quarterly payout, total interest earned over 5 years, and final maturity value.
For a typical example, ₹15,00,000 produces a quarterly payout of ₹30,750.00 and total interest of ₹6,15,000.00.
Adjust investment amount
Change the amount to compare SCSS returns instantly without leaving the page.
Selected investment
₹15,00,000.00
Indian market format: 15,00,000
This is a client-side comparison tool, so the numbers update instantly as you type or drag.
₹10,000₹30,00,000
SCSS formula used for every page
This calculator keeps the rule set fixed: 8.2% annual interest, no compounding, and a 5-year tenure.
Quarterly payout formula
(Principal × 0.082) ÷ 4 = ₹30,750.00
Compounding
No
Payout count
20 quarters
The live calculator range is ₹10,000 to ₹30,00,000, matching the requested planning range for these pages.
Quarterly Payout
Every 3 months
₹30,750.00
Total Interest Earned
Over 5 years
₹6,15,000.00
Maturity Amount
Principal + total interest
₹21,15,000.00
Principal vs total interest
A clear split between what you deposit and what the scheme pays out across five years.
Loading chart...
Quarterly payout schedule
Quarter-wise schedule for all 20 payouts in the mandatory 5-year tenure.
| Quarter | Year | Payout | Cumulative interest |
|---|---|---|---|
| Quarter 1 | Year 1 | ₹30,750.00 | ₹30,750.00 |
| Quarter 2 | Year 1 | ₹30,750.00 | ₹61,500.00 |
| Quarter 3 | Year 1 | ₹30,750.00 | ₹92,250.00 |
| Quarter 4 | Year 1 | ₹30,750.00 | ₹1,23,000.00 |
| Quarter 5 | Year 2 | ₹30,750.00 | ₹1,53,750.00 |
| Quarter 6 | Year 2 | ₹30,750.00 | ₹1,84,500.00 |
| Quarter 7 | Year 2 | ₹30,750.00 | ₹2,15,250.00 |
| Quarter 8 | Year 2 | ₹30,750.00 | ₹2,46,000.00 |
| Quarter 9 | Year 3 | ₹30,750.00 | ₹2,76,750.00 |
| Quarter 10 | Year 3 | ₹30,750.00 | ₹3,07,500.00 |
| Quarter 11 | Year 3 | ₹30,750.00 | ₹3,38,250.00 |
| Quarter 12 | Year 3 | ₹30,750.00 | ₹3,69,000.00 |
| Quarter 13 | Year 4 | ₹30,750.00 | ₹3,99,750.00 |
| Quarter 14 | Year 4 | ₹30,750.00 | ₹4,30,500.00 |
| Quarter 15 | Year 4 | ₹30,750.00 | ₹4,61,250.00 |
| Quarter 16 | Year 4 | ₹30,750.00 | ₹4,92,000.00 |
| Quarter 17 | Year 5 | ₹30,750.00 | ₹5,22,750.00 |
| Quarter 18 | Year 5 | ₹30,750.00 | ₹5,53,500.00 |
| Quarter 19 | Year 5 | ₹30,750.00 | ₹5,84,250.00 |
| Quarter 20 | Year 5 | ₹30,750.00 | ₹6,15,000.00 |