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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[@rkothawala1]

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]

govt. will not listen this suggestion

[@KrishnamurthySrinivasan-iw8hn]

I also agree with your views for tax exemptin

[@kusumtalati61]

Scss skim textmad karana chahiye

[@pramiladeshmukh3980]

Yes income on SCSS scheme should be tax free.Govt. should considered this issue.

[@harinarayansingh6510]

100% सही कह रहे है।टैक्स मे छुट होनी ही चाहिए। इस सरकार का निगेटिव प्वाइंट है।

[@johndavid3234]

Agreed sir, Requesting the govt to please exempt the interest on scss from income tax. Thanks.

[@hsrustagi8610]

you Daryaganj the

[@sundarshah2414]

govt. will not listen this suggestion

[@aditichoudhury1520]

Can an individual invest 30 lakhs each in two different banks under SCSS?

[@mukeshshah9044]

वास्तव में सीनियर सिटीजन का ब्याज आयकरमुक्त होना चाहिए और ब्याज भी बढ़ना चाहिए

[@amrapali-gs3co]

FEKU ko vote kiya toh nahi hoga

[@sudhirverma5859]

Very informative Yes the intrest on SCSS tax should be free

[@pratikmajumder1728]

Good informative video. As a senior citizen I request Government to exempt the interest of SCSS as tax free.

[@amrapali-gs3co]

They don't care about SENIOR CITIZENS. They only bother about ADANI

[@jpgosavi47]

SCSS AND MIS OF POST OFFICE SHOULD BE TAX FREE FOR Sr. citizen.

[@chandrashekharanarayanarao3600]

Yes, I totally agree with you that tax for income generated out of fixed deposit should not be levied.

[@pratipkumarsaha3157]

senior citizens scheme should be fully tax-free.

[@user-pl8km9gr3u]

Income tax

[@Bets009]

😂😂

[@chandrashekharanarayanarao3600]

Sir, thank you very much for giving very useful tips for senior citizens. Best wishes.

[@pradeepkumarbhatt8896]

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]

Thanks for motivation - these words matter a lot

[@suktidwibedi7508]

Very informative.....yes scss should be tax free.....

[@darshanagandhi2433]

Very informative Yes the intrest on SCSS should be tax free

[@pathisify]

100 percent agree with u,intrest of SCSS will be tax free.

[@hemasundaramattirala692]

Very long awaited information. Anyhow thankQ Sirs, VERY GOOD INFORMATION. Please keep up.

[@SahajInfo]

Always welcome

[@rajendralalge6234]

Yes, सीनरीसिटिजन मेडिकल के खर्चे बहुत होते हैं, कभी कभी तो यह सारे पैसे इसी में खर्च होजाते हैं

[@SahajInfo]

Yes - Medical inflation is very high

[@neekitacolge8454]

Namaskar sirji( both) You are absolutely right SSSC ka income TAXFREE hi hona chahiye👍

[@kuldeepakpuri8650]

Yes you are very correct

[@bhagyarekha282]

Very nice explanation Sir.... Bundle of info in a small videos... Thanks a lot

[@ninadutta9873]

Yes, for Sr Citz,it should be absolutely TAX FREE.

[@neekitacolge8454]

Sir bahut achha explain kiya..Thank you so much.

[@vandanathaker2983]

Namaste Sir. Bahut acchi tarah se samjane ke liye dhanyvad🙏🙏🙏

[@SahajInfo]

Most Welcome and thanks for your motivation

[@vijayaswal8074]

Scss tax free hona chahiye bilkul

[@rajumohta8110]

Agreed yes govt should consider it

[@msinharoy159]

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

[@pankajchakraborty7326]

Thanks for informing

[@sanjaykishore7085]

The Interest on Senior citizens Scheme should be interest free.

[@jayshreesheth1599]

Yes u r right interest tax free hona chahea

[@radiantindustries7442]

Yes...SCSS ME INTREST TAX FREE HONA CHAHIYE.TDS BILKUL NAHI HONA CHAHIYE.

[@tammy3630]

Ye jo no TDS wale investment vehicles hai like NSC inke inrest honge unka taxation as per tax slab joga kya?

[@tusharsinghTSingh]

agar hum SGB secondary market se buy karke premature redemption karwate hain, what would be tax implications?

[@sarfarazAhmad-tt2dr]

बेहतरीन information

[@SahajInfo]

Thanks for nice comment

[@mangalnalawade6479]

100%agree with you interest of scss will be tax free.

[@user-xw4wy6up1v]

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.

[@krishanpalsingh3549]

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.

[@girishpotti2242]

Was waiting for this much awaited video. Thank you so much ❤

[@SahajInfo]

Hello Girish ji Happy to see your comment after long time. How are you? Thanks Ashish

[@girishpotti2242]

@@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]

It can be extended but with new rates We are missing your suggestion on New Video Topics

[@girishpotti2242]

@@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

[@venkatarao4182]

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]

SCSS completely tax free

[@muzafarahmad1989]

I salute you sir Govt Ignores form 15H also I m sr citizen J&K

[@mangosingh3081]

Thanks nice information

[@tapasranjansanyal8718]

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.

[@tammy3630]

FD and SCSS de jo interest earn hoga uski combine limit 50k PA rahegi kya?

[@mkd6417]

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 ?

[@rakeshbadhwar6058]

Great Sir 👍🙏🏻

[@SahajInfo]

Thanks a lot

[@parshotambhaidudhat4626]

RD accounts matured after five years then interest recd. In one lump sum, which effects on total income for the year in which a/c matured. Post office does not showing accrued interest in the interest statement.can I bifurcate in to five years in IT Return every year? Please guide what is provision.

[@naveen100]

Very good holistic info

[@jayanta.nchaudhury3343]

If it's done it will be great help.

[@zdimension01]

Very good information 🎉🎉🎉

[@SahajInfo]

Thanks a lot

[@krishnamala5777]

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.

[@sarmisthade9330]

Thanks for the great information.

[@user-zh1hs6ni4n]

Informative, Ty

[@SahajInfo]

You're welcome

[@slv9530]

Please tell me if the scss is eligible for resident Indians who have citizenship of a different country

[@vishnugupta8632]

Senior citizen scheme me post office me 2 year pehle 10 lacs deposit kiye or udhar hee Milne Wale interest ki RD Kara di 5.7 percent interest per kya usko khatam karke ab bank me Rd Kara sakte hai kinyo ki vanha interest jayada mil Raha hai

[@ArijitDas-fr8ss]

SCSS interest paid out quarterly? If yes, then if we invest in RD then what will be effective rate of return?

[@dipeshish]

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.

[@silloosidhva5060]

Sir can u tell me if nomination is mandatory? Inspire of 2nd holder?

[@gautamchakrabarty6450]

Good Explanation

[@SahajInfo]

Thanks and welcome

[@manaskumarchatterjee3401]

Absolutely true.

[@sureshkhatanhar2583]

Agree interest on SCSS should be made tax free

[@1415sushil]

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.

[@SudhirKumar-cj8ki]

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

[@naliniganesh7037]

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]

Well said and it should be considered

[@jeroounwalla79]

​@@SahajInfo No, it is not 'it should be consideted' but it MUST be considered. KAM

[@jpgosavi47]

Govt should also consider to start Safe mutual fund for Sr. Citizen

[@piyushpathakvlog]

Ashishji, Sr.Citizen ke liye samay samay par aise videos late rahiyega...🎉

[@SahajInfo]

Bilkul Sir - next will be how to save tax and TDS for Sr Citizen

[@veenadeviyeedulapally7102]

Yes. Senior citizen should get tax free benefit.. whole life paid tax now atleast must give excemption

[@no1.carryon]

Very nicely explained

[@jagbir626]

Gilt ETF जैसे LTGILTBEES में कर सकते है क्या?

[@annigeregopinath2216]

Definitely. We all the sr. Citizens request the govt to make the int earned in scss tax free.

[@pradeepkumarbhatt8896]

Jee haan sir ji 🙏🙏interest should be tax free for senior citizens ashish and vinay ji 🙏🙏

[@SahajInfo]

Right - demand is for SCSS atleast

[@jagannathnaik7430]

सही है सिनियर सिटी झन को इंटरेस्ट टॅक्स फ्री होना चाहिए

[@dayasingh4370]

Thanks je❤❤❤❤❤❤❤❤❤❤❤❤❤❤

[@drrameshwarprasadgupta4597]

Yes 100%right

[@pallavinashikkar4458]

Yes right.

[@ashoksultania5208]

Yes,interest of sr.citizen scheme should be income tax free.

[@PremSingh-fk8ow]

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

[@PremSingh-fk8ow]

You are right up to some limit as rs 5lac to int free if he have not govt pension

[@VipulPandurangKarambe-yj9rz]

SCSS, Nsc, Rd, Saving scheme mae intrest Tds, Income tax free hona chiyae senior citizens ko. Sarkar nae yae karana cahiye.

[@rajnijoshi1258]

Yes senior citizens ke liye tax free hona hi chahiye.

[@SahajInfo]

Hope Government will look into request

[@rahulshukla9676]

Thanks

[@SahajInfo]

Thanks a lot Rahul ji for Super Thanks

[@abhijitbanerjee1784]

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.

[@venkateshupadhyaya81]

Yes your right sir, ScSs should be exempted from tax and extended for again 5 years

[@manmohansinghgujral2533]

Do you think considering age, less possibility to survive next eight years, should one go for SGB. Secondly any account op-ed in post office is hassle free, it is impractical for old people to get work done easily in post office. I have faced this problem practically

[@SahajInfo]

Yes - Nominee will get amount like for other investment and FD

[@neekitacolge8454]

Sir abhi latest MODIJI 3rd bar sarkar me aaye ..iske bad ham kya hoga ? we r going to become 60 this year,.minimal knowladge hai market ka and still job hai one year ke liye..so please advice for retirement ke liye kaise invest kare?

[@slv9530]

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

[@lalitjoshi3095]

Very Informative. Yes the interest on SCSS should be Tax Free as this is only source of income for old age persons. Namaskar.

[@SahajInfo]

Thanks a lot for motivation

[@nikardewan1297]

Senior citizens Scheme interest must be made tax Free. Govt. of must give a look to it.

[@SahajInfo]

Govt must think of Sr Citizen

[@user-mg5ml5qq4k]

Good ❤

[@SahajInfo]

❤

[@yamunaprasaduniyal3537]

Very nice information sir 🙏

[@rajanikumarijagarlamudi4691]

Is it wise to preclose PMVY after 5 yrs who is in 15% tax slab in new scheme and invest in shares

[@RaviKumar-io5uz]

Ji bilkul milna chahiye

[@parthabanerjee3221]

Interest should be tax free for senior citizens for SCSS

[@SahajInfo]

We are also in this favor. Some relaxation should be given to Senior citizens

[@shantipathak4124]

Scss, Bank aur post office dono me husband wife 30, 30 =60 ka Kara shakte hey ? Please me Answer..

[@ramchandraverma4409]

Yes separately accounts not joint both should be 60 yrs old

[@Travellern]

सर, scss को रिन्यू करना उचित रहेगा या मैच्योरिटी के बाद reinvest करना उचित रहेगा। व्याज दर तो शायद बदल जाता है।

[@vaishalibhatt574]

Sir utkarsh small finance Bank me 5,00,000 se jyada ki fd karna safe rahega ke nahi??

[@harishjadhav9826]

Yes, Tax Rebate system should be incorporated.

[@slv9530]

Yes taxation on interest up to 6 lakhs should be free

[@handsomeguy_gcopa]

Sir my father is pensioner and I am willing to start his sip in parag Parikh flexi cap fund please share your opinion.

[@yatinarora562]

can we do investment in different banks SCSS or should be in one bank

[@SahajInfo]

you can do in different Bank but total should be less than 30L

[@himanikanojiya]

Yes bilkul

[@susmitachowdhury542]

SCSS scheme bilkul TAX FREE hona chahie.