Senior citizen benefits that you must know

Senior citizen benefits that you must know

At 60, one is considered a senior citizen in India. Senior citizens are entitled to a multitude of financial benefits. While you can avail some benefits at 60, you also get some added benefits at 65. From time to time, the government offers senior citizens financial benefits to make their life easier. Here are a few benefits available to senior citizens in India.

1. Interest income:

Senior citizens are entitled to a tax exemption of Rs. 50,000 for income from fixed deposits, post office interest and savings bank accounts.

2. Health insurance premium:

Senior citizens get a tax exemption of Rs. 50,000 on health insurance premium under Section 80D. Exemption on medical expenditure for critical illnesses is Rs. 1 lakh for both senior citizens and super senior citizens.

3. Pradhan Mantri Vaya Vandana Yojana (PMVVY):

The PMVVY scheme was recently extended from March 2018 to March 2020. The investment is capped at Rs. 15 lakh and gives a guaranteed 8 % fixed rate of return for a period of 10 years.

4. Senior Citizens’ Saving Scheme (SCSS):

The SCSS scheme offers an interest rate of 8.3% per annum. Any senior citizen over the age of 60 can open the senior citizen savings scheme. If the senior citizen has retired on superannuation or VRS at 55, they can still opt for the SCSS scheme provided they open an account within a month of receipt of retirement benefits and the amount shouldn’t be more than the number of retirement benefits.

5. Professional tax:

In some states, resident senior citizens aged 65 and above are exempt from professional tax.

6. Income tax:

For senior citizens, an income of up to Rs. 3 lakh is non-taxable. For senior citizens over the age of 80, an income of up to Rs. 5 lakh is non-taxable.

7. Travel concessions:

Senior citizens are entitled to discounts on fares. For instance, senior citizens over the age of 60 can avail a discount of 50% on economy class for domestic travel. Women aged 58 are eligible for 50 % discount and men aged 60 and above are eligible for 40 % discount on rail fare. The concession is on all classes of Mail/Rajdhani/Jan Shatabdi/Shatabdi/Duranto/Express trains. Some state and municipal corporations also give discounts on bus fare to senior citizens. There are seats reserved for senior citizens as well. The passenger reservation system automatically allots lower berths to senior citizens subject to availability during ticket booking.

8. Insurance policies:

For seniors aged 60-80, national insurance offers the ‘Varishta Mediclaim Policy’ where the maximum sum insured is Rs. 1 lakh in case of hospitalization and Rs. 2 lakh for critical illnesses. LIC offers the Varishtha Pension Bima Yojana that provides assured pension for senior citizens.

9. Subsidized phone bills:

Senior citizens over the age of 65 can avail of BSNL connections without registration charges. They are also eligible for registration of telephone on priority. Senior citizens over the age of 65 get 25% concession on monthly service charges and installation charges for landline connections.

10. Miscellaneous benefits:

Senior citizens get separate queues in hospitals for registration and clinical examination. They can also avail of preferential hearing for their cases by writing to the court. Banks have separate queues for senior citizens and offer them senior citizen cards, priority services etc.


Senior citizen benefits are afforded to those over the age of 60 to make sure they aren’t burdened financially during retirement. The benefits also ensure that they don’t end up being dependent on anyone.
Enjoy Happy retired life !🙌🏻😊

President Xi Jing Peng of China said: When I was a small child, I was very selfish, always grab the best for myself. Slowly, everyone left me and I had no friends. I didn’t think it was my fault but criticize others.

President Xi Jing Peng of China said:

When I was a small child, I was very selfish, always grab the best for myself. Slowly, everyone left me and I had no friends. I didn’t think it was my fault but criticize others.

My father gave me 3 sentences to help me in life.

One day, my father cooked 2 bowls of noodles put the 2 bowls on the table. One bowl has one egg on top and the other bowl does not have any egg on top. He said, ”My child. You choose. Which bowl do u want. ”Eggs were hard to come by those days! Only get to eat eggs during festivals or New Year. Of Cos I chose the bowl with egg! As we started eating. I was congratulating myself on my wise choice/decisision and wallop up the egg. Then to my surprise as my father ate his noodles, there were TWO eggs at the bottom of his bowl beneath the noodes! I regretted so much! And scolded myself for being too hasty in my decision. My father smiled and sad to me ,”My child. You must remember what your eyes see may not be true. And if you intent on taking advantage of people, you will end up losing!”

The next day, my father again cooked 2 bowls of noodles: one bowl with an egg on top and the other bowl with no egg on top. Again, he put the two bowls on the table and said to me,”My child. You choose. Which bowl do you want? ”This time I am smarter. I chose the bowl without any egg on top. To my surprise, As I separated the noodles on top, there was not even a single egg at the bottom of the bowl!Again my father smiled and said to me,”My child. You must not always rely on experiences Cos sometimes, life can cheat you or play tricks on you. But you must not be too annoyed or sad, just treat this as learning a lesson .You cannot Learn this from textbooks.

The third day, my father again cooked 2 bowls of noodles, again one bowl with an egg on top and the other bowl with no egg on top. He put the 2 bowls on the table and again said to me ,”My child. You choose. Which bowl do u want? ”This time, I told my father,”Dad, u choose first. You are the head of the family and contributed the most to the family,”My father did not decline and chose the bowl with one egg on top. As I eat my bowl of noodles, Sure in my heart that there is no egg inside the bowl. To my surprise! There were TWO eggs at the bottom of the bowl.

My father smiled at me with love in his eyes,”My child, you must remember! When you think for the good of others, good things will always naturally happen to you!”

I always remember these 3 sentences of my father and lived and do my business accordingly. True Enough , my business was a roaring success.

Xi Jing Peng

My Wife DOES NOT WORK !!!* Conversation between a Husband *( H )* and a Psychologist

⭕ *My Wife DOES NOT WORK !!!*

Conversation between a Husband *( H )* and a Psychologist *( P )* :

*P :* What do you do for a living Mr. Bandy ?
*H :* I work as an Accountant in a Bank.

*P :* Your Wife ?
*H :* She doesn’t work. She’s a Housewife only.

*P :* Who makes breakfast for your family in the morning?
*H :* My Wife, because she doesn’t work.

*P :* At what time does your wife wake up for making breakfast ?
*H :* She wakes up at around 5 am because she cleans the house first before making breakfast.

*P :* How do your kids go to school ?
*H :* My wife takes them to school, because she doesn’t work.

*P :* After taking your kids to school, what does she do ?
*H :* She goes to the market, then goes back home for cooking and laundry. You know, she doesn’t work.

*P :* In the evening, after you go back home from office, what do you do?
*H :* Take rest, because i’m tired after work.

*P :* What does your wife do then ?
*H :* She prepares meals, serves our kids, prepares meals for me and cleans the dishes, cleans the house then takes the kids to bed.

🍀 The daily routines of your wives commence from early morning to late night.

*That is called ‘DOESN’T WORK ??!!*

🍀 Being Housewives do not need Certificate of Study but their ROLE is very important !

🍀 Appreciate your wives.

Because their sacrifices are uncountable.

This should be a reminder and reflection for all of us to understand and appreciate each others roles.

Some one asked her…….
Are you a working woman or a house-
wife ??

*She Replied :* Yes I am a full time
working house-wife.
I work 24 hours a day…..

I’m a ” mum “,
I’m a wife,
I’m a daughter,
I’m a daughter-in-law…..
I’m an Alarm clock,
I’m a Cook,
I’m a Maid,
I’m a Teacher,
I’m a waiter,
I’m a nanny,
I’m a nurse,
I’m a handyman,
I’m a Security officer,
I’m a Counsellor,
I’m a comforter,

I don’t get holidays,
I don’t get sick leave,
I don’t get day off……

I work through day and night…..

I’m on call……

All hours and get paid with a sentence…..

” what do you do all day ”

*Dedicated to all women*😘😊

🍀 Woman is like salt
Her presence is never remembered but Her absence makes all the things tasteless !👍

Pass it to all the lovely ladies…..
Your Mother. …..
Your Wife……
Your daughter …
Your sister…..
Your friend😊




1.JEE main (Joint entrance examination main) Written Exam B.E/B.Tech /B.Arch for NIT’S and IIIT’S.

2. JEE ADVANCE (Indian Institute of Technology Joint Entrance Exam) Written Exam B.E/B.Tech in IIT

3. NEET Written Exam M.B.B.S/ B.D.S in India now this exam is replaced by NEET.

4. AFMC- (Armed Forces Medical College Entrance Exam Written Exam M.B.B.S(Should Serve 7 Years in Armed Forces)

5. NID NEED(National Entrance Exam for Design Written Exam National Institute of Design and other Design Institutes

6. CLAT- (Common Law Admission Written Exam National Law Universities Test)

7. BITSAT(Birla Institute of Technology Science Admission Test) Online Exam B.E in Pilani, Hyderabad and Goa

8. NCHMCT(National Council for Hotel Management Catering Technology Joint Entrance Exam) Written Exam B.Sc in Hospitality and Hotel Administration

9. NDA and NA( National Defense Academy and Naval Academy) Written Exam Conducted by UPSC 3 Years Training for entry into ARMY/NAVY/AIRFORCE

10. NEETUG ( National Eligibility Entrance Exam for Under Graduate)AIP MT to be Replaced Written Exam M.B.B.S/ B.D.S

11. AIMNET(All India Merchant Navy Entrance Written Exam by Bharat Shipping Ltd B.Tech Marine Engineering/ B.Sc Nautical Science/B.Tech Navel Architecture and Ship Building Test)

12. IIST( Indian Institute of Space Technology) Thiruvananth apuram Written Exam B.Tech- Avionics/ Aerospace Engineering/ Physical Science

13. JNU(Jawaharlal Nehru University)NEW DELHI Written Exam B.A Foreign Language

14. CIEFL( Central Institute of English and foreign languages HYDERABAD written Exam B.A. English & Mass communication with specialization in Arabic/French German/Japanese/Russian/Spanish.

15. Indian Statistical Institute (ISI) KOLKATTA Bengaluru Written Exam (Indian National Maths Olympiad awardees are exempted) B Sc Statistics (Kolkata ) and B Sc Mathematics(Bengaluru )

16. Indian Institutes of Science Education and Research Pune, Bhopal, Kolkata, Mohali and Thiruvananth apuram Written Exam 5-year BS-MS dual degree in Biology, Chemistry, Mathematics and Physics / IISER Kolkata offers major in Earth Sciences (IISER)

17. The National Aptitude Test in Architecture (NATA) Computer Based Test B.Arch

18. Indian Institute of Science Bangalore Written Exam 4 year Bachelor in science

19. All India PreVeterinary Test AIPVT Written Exam to 5 year B.V.Sc and AH

20. AIIMS MBBS Entrance Test Written Exam MBBS

21. All India Entrance Examination for B.Sc in Agriculture and allied sciences at Agriculture Universities AIEEA – Indian Council of Agricultural Research ICAR Written Exam Bachelor degree in Agriculture , Horticulture , Fisheries, Forestry , Home Science, Sericulture , Biotechnology, Agriculture engineering, Dairy Technology, Food Science and Agricultural marketing

22. AIIMS Written Exam B.Sc Hons Nursing and Para Medical courses

23. UCEED 2015 Written Exam B Design program Product Design, IDC IIT Bombay 2015 Communication Design, Interaction Design, Mobility Design and Animation Design

24. Footwear Design and Development Institute ( FDDI All India Selection Test( AIST 2015 Computer Based Entrance Test Footwear Design

25. NEST 2015 The National National Institute of Science Education and Research (NISER) Written Exam 5 year integrated M Sc. Course in Biology, Chemistry, Mathematics and Physics

26. Regional Institute of Education RIE CEE Written Exam B.Sc. B.Ed. / BA B.Ed 4 Year / M Sc B Ed

27. Central Universities Common Entrance Test (CUCET) Written Exam Integrated UG / PG and Research Programs ( BA B.Ed, BSc B Ed, BA LLB, Integrated MA, /MA, MSc, MSc B Ed, Integrated M Sc in 10 Central Universities

28. Humanities and social Sciences Written Exam 5 year integrated MA Course in Developmental Studies and MA in English Studies offered by IIT Entrance exam HSEE Madras

29. Tata Institute of Social sciences TISS BA Hons Social Work Written Exam 3 year BA Course in Social Work with specialization in Rural Development and for BA and MA integrated program

30. NIFT- (National Institute of Fashion Technology) Written Exam Fashion Technology / Design Management

31. CA programme Common Proficiency Test (CPT) CA

32. CS Programme – Institute of Company Secretaries of India (ICSI) 2½ years (after graduation), 3½ years (after Class 12) Written Exam CS http://www.icsi.ed

33. BHU – ALL Courses

34. ICI – Indian Chemical Technology.

35. ICAR – Agriculture

36. Jipmer – pondy MBBS

37. IISER – Indian Institute Science Education and Research.

38. Manipal – MUOET.


*😀😀🤣🤣Wonderful Definitions*🤣🤣😀😀

*😀😀🤣🤣Wonderful Definitions*🤣🤣😀😀

A place where Parents pay and children play

*Life Insurance*
A contract that keeps you poor all your life
so that you can die Rich.

A person who wakes u up to give you sleeping pills.

It’s an agreement in which a man loses his bachelor degree and a woman gains her masters..

The hydraulic force by which masculine willpower is defeated by feminine waterpower.

An art of transferring information from the notes of the Lecturer to the notes of the students without passing through “the minds of either”

The confusion of one man multiplied by the number present.

*Conference Room*
A place where everybody talks, nobody listens and everybody disagrees later on

A banker provided by nature

A person no different from the rest
….except that he/she got caught

Someone who is early when you are late and late when you are early

One who shakes your hand before elections and
your Confidence after

A person who holds your ills by pills, and kills you by bills.

A curve that can set a lot of things straight.

A place where you can relax after your strenuous home life.

The only time some married men ever get to open their mouth.

A sign to make others believe that you know more than you actually do.

Individuals who can do nothing individually and sit to decide that nothing can be done together.

*Atom Bomb*
An invention to end all inventions.

#Laughter makes life**Easy…!!

Manohar Parrikar’s words while he is under treatment for Pancreatitis in US Hospital

Manohar Parrikar’s words while he is under treatment for Pancreatitis in US Hospital

Life has given me abundant political respect and it has become synonymous with my name .
However as I have noticed , except my work I rarely had any other moments of enjoyment . Only my political status has remained a reality .

Today in this bedridden state I introspect my life …the popularity and wealth and that I thought to be milestones of life ..and the inflated ego…all of it appears to be jaded and meaningless as I stand facing the death .

With each passing second as the death creeps to me stealthily , I see the green lights of lifesaving machines around me , their humming noise makes me realize my proximity to death .
At this critical moment I have understood that there is so much more to life than accumulating wealth and fame … service and managing our relationships with others whom we like are few things not to be missed .

I realize that of all the political success that I have earned , i can carry nothing with me .

This bed of sickness is the most exclusive bed as nobody can use it except yourself . You can have servants , drivers , employees to serve and earn for you but none to share your sickness.

All the things that are lost can be found or earned back but what cannot be retrieved is …..
As you run through the rat race of life persuing success one must realise that at some point of time you have to reach the last part of drama in the theatre where end of thev show is visible .

So .. learn to first look after yourself , take care of others,
Learn to spend your money and shower your feelings on people around you .

When a child is born he is weeping and when he dies others are weeping
So friends Lets have all the laughter and fun time in between before we call it a day .