SCSS Maturity Calculator — Exact Returns at 8.2% p.a.
Reference tables for 5-year and 8-year returns, formula, and direct link to the full interactive calculator
📊 For an interactive SCSS calculator with sliders, donut chart, year-wise breakdown, and PDF/share options, use our full SCSS Calculator →. This page provides quick-reference tables and formula.
Full Interactive SCSS Calculator
The full calculator at /schemes/scss/ lets you input any deposit amount and instantly see: quarterly payout, annual income, 5-year total, 8-year extended total, year-wise breakdown, and pie chart. Use it for precise calculations for your specific deposit.
SCSS Maturity Table — 5 Year Tenure at 8.2% p.a.
| Deposit | Quarterly payout | Annual interest | 5-year total interest | Monthly equivalent |
|---|---|---|---|---|
| ₹1,00,000 | ₹2,050 | ₹8,200 | ₹41,000 | ₹683 |
| ₹3,00,000 | ₹6,150 | ₹24,600 | ₹1,23,000 | ₹2,050 |
| ₹5,00,000 | ₹10,250 | ₹41,000 | ₹2,05,000 | ₹3,417 |
| ₹7,32,000 | ₹15,006 | ₹60,024 | ₹3,00,120 | ₹5,002 |
| ₹10,00,000 | ₹20,500 | ₹82,000 | ₹4,10,000 | ₹6,833 |
| ₹12,20,000 | ₹25,010 | ₹1,00,040 | ₹5,00,200 | ₹8,337 |
| ₹15,00,000 | ₹30,750 | ₹1,23,000 | ₹6,15,000 | ₹10,250 |
| ₹20,00,000 | ₹41,000 | ₹1,64,000 | ₹8,20,000 | ₹13,667 |
| ₹25,00,000 | ₹51,250 | ₹2,05,000 | ₹10,25,000 | ₹17,083 |
| ₹30,00,000 (max) | ₹61,500 | ₹2,46,000 | ₹12,30,000 | ₹20,500 |
🔗 Also read
SCSS Returns for 8-Year Tenure (5 + 3-Year Extension)
| Deposit | 5-yr interest | 3-yr extension interest | 8-yr total interest |
|---|---|---|---|
| ₹5,00,000 | ₹2,05,000 | ₹1,23,000 | ₹3,28,000 |
| ₹10,00,000 | ₹4,10,000 | ₹2,46,000 | ₹6,56,000 |
| ₹20,00,000 | ₹8,20,000 | ₹4,92,000 | ₹13,12,000 |
| ₹30,00,000 | ₹12,30,000 | ₹7,38,000 | ₹19,68,000 |
SCSS Maturity Formula — Simple Interest
Simple Interest Formula (SCSS uses this — not compound interest)
Annual Interest = Principal × 8.2 ÷ 100
Quarterly Interest = Annual Interest ÷ 4
Total Interest (5 years) = Annual Interest × 5
Maturity Amount = Principal (returned as-is — interest is paid out quarterly)
Example: ₹15,00,000 × 8.2% = ₹1,23,000/year ÷ 4 = ₹30,750/quarter × 20 quarters = ₹6,15,000 total interest
Total Interest (5 years) = Annual Interest × 5
Maturity Amount = Principal (returned as-is — interest is paid out quarterly)
Example: ₹15,00,000 × 8.2% = ₹1,23,000/year ÷ 4 = ₹30,750/quarter × 20 quarters = ₹6,15,000 total interest
Common Deposit Amounts — What You Earn
The five most common SCSS deposit amounts and their returns:
📚 ₹10 lakh deposit at 8.2%
| Quarterly income | ₹20,500 (on 1 Apr, 1 Jul, 1 Oct, 1 Jan) |
| Annual income | ₹82,000 |
| Total over 5 years | ₹4,10,000 in interest + ₹10,00,000 principal returned |
| Total value received | ₹14,10,000 |
⚡ Key Takeaways
- SCSS uses simple interest — interest is paid out quarterly, principal returned at maturity
- At maximum deposit (₹30,00,000): ₹61,500/quarter, ₹12,30,000 over 5 years, ₹19,68,000 over 8 years
- Maturity amount = original principal — no interest is added to the principal
- Use the full SCSS Calculator for interactive computation with any deposit amount
- Extension rate at year 5 may differ from original rate — tables above assume constant 8.2%
- TDS applies if annual interest exceeds ₹1,00,000 for age 60+ holders
Is This Page Right for You?
✓ Who should use this
- Anyone comparing SCSS returns at different deposit amounts before investing
- Existing SCSS holders wanting to verify their expected maturity proceeds
- Financial planners building retirement income models for clients
⚠ Who should think twice
- Those wanting compound interest — SCSS is income-generating, not wealth-accumulating via compounding
- Those needing exact to-the-day calculations for partial quarter investments — use the full calculator
Pros & Cons
✓ Advantages
- Simple interest makes calculations transparent and predictable
- Principal fully returned at maturity — unlike annuity products where principal may not return
- Quarterly income received during tenure means you benefit from the money while it is invested
⚠ Limitations
- Simple interest means no compounding — PPF or equity MFs grow faster over long horizons
- Interest is taxable — unlike PPF's EEE status
- Rate lock-in means you miss out if SCSS rate increases after opening
📋 Disclaimer & Source: All SCSS data is sourced from the Ministry of Finance, Government of India and India Post official guidelines. Current rate of 8.2% p.a. is effective from April 1, 2026 (Q1 FY 2026-27). Next review expected: June 30, 2026. Interest calculations based on SCSS Rules 2004. Simple interest confirmed by India Post and Ministry of Finance guidelines. This page was last reviewed on April 15, 2026. Content is for informational purposes only and does not constitute financial advice. Consult a SEBI-registered financial advisor before making investment decisions. · Full Disclaimer
📆 5+3 year extension returns calculator →
📅 Exact quarterly payout calculator →
📊 Current SCSS interest rate — 8.2% →
Frequently Asked Questions
No. SCSS uses simple interest — interest is paid out quarterly to your savings account throughout the tenure. At maturity, you receive back exactly the original deposit amount (principal). Total earnings = interest received over tenure. The principal does not grow.
At 8.2% for 5 years: you receive ₹61,500 every quarter (20 payments = ₹12,30,000 total interest). At maturity, your ₹30,00,000 principal is returned. Total value received = ₹42,30,000.
The principal returned at maturity is not taxable — it is a return of capital. The quarterly interest you received during the tenure was taxable as income in the year it was received (as "Income from Other Sources"). There is no additional tax event at maturity.
SCSS earns simple interest: 8.2% of the original principal every year, paid quarterly. Compound interest schemes (like bank RDs or debt mutual funds) reinvest interest so the next quarter earns interest on a growing amount. SCSS does not compound — but the quarterly payout serves a different purpose: regular income for retirees.
Yes. At the end of the 5-year tenure, the full original principal (deposit amount) is returned to you. SCSS uses simple interest — the interest is paid out quarterly throughout the tenure, and only the principal is returned at maturity.