60+ umar ke liye special FD rates — senior citizen FD ka maturity amount aur extra interest benefit calculate karein.
| Year | Principal | Interest | Maturity |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹38,816 | ₹5,38,816 |
| 2 | ₹5,00,000 | ₹80,646 | ₹5,80,646 |
| 3 | ₹5,00,000 | ₹1,25,723 | ₹6,25,723 |
Zyaadatar banks senior citizens (60+ age) ko regular FD rate se 0.25–0.50% extra interest deti hain.
₹50,000 se zyada annual interest hone par TDS lagta hai. Form 15H submit karke TDS se bachaa ja sakta hai agar income taxable nahi hai.
Small finance banks jaise Unity SFB, Jana SFB 8.5–9% tak de rahi hain. Lekin inme DICGC insurance limit ₹5 lakh tak hai.
Haan, lekin senior citizen rate sirf tab milega jab primary account holder 60+ saal ka ho.