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How to Extend SCSS Senior Citizen Savings After 5 Years 2026
SCSS Extension - 3-year extension after 5-year maturity. 8.2% rate. At post office or bank.
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⏱️ 30-45 mins
💰 Free
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About This Guide
Senior Citizen Savings Scheme (SCSS) - 5-year maturity, then extendable in 3-year blocks. Each extension: 8.2% interest (current rate). Apply for extension at post office where account held. Form 4 (Extension Form). Within 1 year of maturity OR auto-closure happens. Quarterly interest payout continues.
Eligibility Criteria
- Existing SCSS account holder
- 5-year maturity reached
- Within 1 year of maturity
- Senior citizen 60+
- Aadhaar mandatory
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- SCSS account passbook
- Aadhaar
- PAN
- Photo
- Form 4 (Extension)
- Bank passbook (Aadhaar-seeded)
- Photo identification
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Verify Maturity
5 years from opening.
Visit Post Office
Where SCSS held.
Form 4
Account Extension Form.
Submit Documents
Aadhaar + PAN + photo.
Choose Extension
3 years standard.
Account Continued
New 3-year period begins.
8.2% Rate
Per current rate at extension.
Quarterly Interest
Continues to bank.
Multiple Extensions
Allowed - 3-year blocks.
Key Benefits
- Continuous high rate (8.2%)
- 3-year flexibility
- Multiple extensions allowed
- Quarterly payout
- Senior-citizen specific
- Govt-backed
- Compound to bank
- No re-KYC needed
- Affordable income
- Form 4 simple
What Happens After Application?
Same day extension active.
Frequently Asked Questions
Auto-extension?
NO - manual extension required. Without Form 4, account auto-closes at maturity. Apply within 1 year of maturity to avoid.