Senior Citizen Income Planning: SCSS, PMVVY & FD Strategy for India

Complete retirement income guide for Indian senior citizens. Optimize SCSS, PMVVY, and bank FDs to create reliable monthly cash flows with tax efficiency.

Published January 18, 202515 min read

Senior Citizen Income Stack

Prioritise sovereign‑backed income first, fill gaps with bank FDs.

Sequence

SCSS to the limit, then PMVVY if eligible.
Stagger FD maturities to monthly cashflows.

Tools

FD Calculator: Post‑tax yields and cashflow mapping.

Related Calculators

FD Calculator

Compare post-tax yields and plan maturity laddering

Income Tax Calculator

Optimize tax on interest income with senior citizen benefits

PPF Investment Strategy: Smart Debt Allocation for Tax Savings

Maximize PPF benefits as your core debt investment. Learn tax-efficient allocation strategies, extension decisions, and portfolio integration for India.

Emergency Fund Placement: Savings, Liquid MF, Short FD—What Mix Works

Optimal placement strategies for emergency funds across savings accounts, liquid funds, and short-term FDs.