Apply In-Person:

1. To Open Senior Citizen Savings Account in Post Office, the applicant has to approach the nearby Post Office in their area link
2. An application form will be provided to the applicant by the concerned officer.
3. The applicant has to fill in all the necessary details in the application form. (Incomplete applications are not accepted)
4. Make sure that the applicant has attached all the necessary documents that are mentioned in the “Required Documents” section of this page.
5. The applicant has to attach the photocopies of the required documents along with the application form while submitting.
6. Submit all the documents with the completed form to the concerned officer.
7. The applicant has to deposit the minimum required amount to open the account. The current minimum deposit amount for a Senior Citizen Savings Account is Rs. 1,000, but it may be subject to change, so verify with the post office beforehand.
8. After receiving the application, the concerned authority will check the submitted application and document set. If all are in place, the application will be accepted.
9. The authority may seek additional information from an applicant if this is necessary to assess the application. The authority does not need to deal further with an application until the applicant has provided this additional information.
10. Complete the Know Your Customer (KYC) process by providing any additional information or documents requested by the post office. This is a standard procedure for financial institutions to verify the identity and address of the account holder.
11. Once the account is opened, the post office will provide you with a passbook. The passbook will contain details of your Senior Citizen Savings Account, including transactions, balance, and interest credited.
12. This entire process can be completed within 7- 10 days or as per the timeline advised by the respective department authority.

• Completed application form
• Identity Proof: Any government-issued photo ID such as Aadhaar card, PAN card, voter ID card, or passport.
• Address Proof: Documents like Aadhaar card, voter ID card, passport, or utility bills (electricity bill, telephone bill) that verify your residential address.
• Age Proof: Provide an age proof document such as Aadhaar card, birth certificate, passport, or school leaving certificate.

DEPARTMENT OF POSTS
MINISTRY OF COMMUNICATION- INDIA
Postal Directorate
Dak Bhavan
New Delhi
110001
Customer Care Toll Free Number 1800 266 6868
Contact details link
Circle offices link
List of offices link

• Indian citizens above the age of 60 years
• Retirees in the age bracket of 55-60 years who have opted for Voluntary Retirement Scheme (VRS) or Superannuation*
• Retired defence personnel above 50 years and below 60 years of age.

• The account has to deposit the minimum required amount to open the account. The current minimum deposit amount for a Senior Citizen Savings Account is Rs. 1,000, but it may be subject to change, so verify with the post office beforehand.

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever

Please attach documents that can be used by people. e.g. links

Please attach sample completed documents that would help other people.

• This entire process can be completed within 7 -10 days or as per the timeline advised by the respective department authority.

Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites.
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.

• Applicants must complete the application form before submitting it. Incomplete applications will not be accepted.
• Applicants must provide genuine information while applying for this procedure.

• Name of the applicant
• Date of Birth
• Aadhaar Number
• Permanent Account Number (PAN)
• Present Address
• Permanent Address
• Telephone Number
• Mobile Number
• Email Id
• Details of nominee

• The Senior Citizen Savings Account offered by the post office in India is a specialized savings account designed for individuals who are 60 years or above. It provides various benefits and features that cater to the financial needs of senior citizens.

Benefits:

• Interest Rates: The account offers competitive interest rates that are set by the government. The interest is compounded on a quarterly basis, providing a steady source of income for senior citizens.
• Tax Benefits: The interest earned on the Senior Citizen Savings Account is eligible for tax benefits up to a specified limit under Section 80TTB of the Income Tax Act, 1961. As of the knowledge cut-off in September 2021, the maximum deduction allowed is up to Rs. 50,000 per financial year.
• Minimum and Maximum Deposit: The minimum deposit required to open a Senior Citizen Savings Account in the post office is Rs. 1,000, with subsequent deposits in multiples of Rs. 100. There is no maximum limit on the deposit amount.

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

Link

More information which might help people.