Senior Citizens has been given several special gifts under the government and other schemes in 2025. These advantages will not only improve their economic condition, but will also give them relief in social and health facilities. In this article, we will tell you about the 34 big benefits that will benefit the senior citizens.
Let us know in detail what is special for senior citizens in 2025.
Senior citizen profit observation
The main advantages for senior citizens in 2025:
| aspect | Description |
| Age limit | 60 years and above |
| Savings schemes | SCSS (8.2% interest) |
| Tax exemption | Income tax-free income of up to ₹ 12 lakh |
| Pension schemes | State based pension benefits |
| health insurance | Cashless treatment up to ₹ 5 lakh |
| Railway discount | Ticket discount (in some states) |
| Legal aid | Free legal services |
Civil savings scheme (scss)
Senior Citizen Savings Scheme (SCSS) is a government scheme that provides financial security to retired individuals.
The main features of Scsss:
- Interest Rate: 8.2% per year
- Minimum deposit: ₹ 1,000
- Maximum deposit: ₹ 30 lakh
- Terror: 5 years (3 years extension possible)
- Tax Benefits: Rebate up to ₹ 1.5 lakh under Section 80C
Relief in Income Tax
In the budget of 2025, senior citizens have been given great relief in tax:
- No tax on annual income up to ₹ 12 lakh.
- The limit of TDS has been increased from ₹ 50,000 to ₹ 1,00,000 on interest earned from bank deposits.
- The mandatory tax filing on pension and bank interest is eliminated.
Healthcare benefits
Ayushman Bharat Scheme:
Senior citizens get cashless treatment of up to ₹ 5 lakh under Pradhan Mantri Jan Arogya Yojana. The scheme is applicable in government and private hospitals.
Other Health Benefits:
- Low tax on cancer drugs.
- Free health checkup and priority medical services.
Pension schemes
Benefits of pension schemes being run by states:
- Rajasthan: Pension for women 55 years and men after 58 years.
- In other states also pension is given on the basis of minimum age limit.
Railway and travel benefits
Although the discount on the railway ticket was closed after Kovid, some states have resumed it.
- Senior citizens get a discount of up to 40% -50%.
- Some airlines also offer discounts on domestic flights.
Property tax discount
Some states have waived property tax for senior citizens.
- This facility is available in states like Delhi and Maharashtra.
- This has to be confirmed by the local municipality.
Legal protection
Senior citizens get protection under “Maintenance and Welfare of Parents and Senior Citizens Act, 2007”.
- Parents may demand care from their children.
- Free legal aid is also available.
Other important benefits
- BSNL services: Rebate and priority service in telecom bills.
- Free Legal Aid: Free Services under Legal Aid Act 1987.
- National Savings Scheme (NSS): Tax exemption on withdrawal.
- TDS limit: The TDS limit on rental income was increased to ₹ 6 lakh per year.
Disclaimer:
This article is written only for the purpose of providing information. Before taking advantage of the schemes and facilities announced by the government, confirm the concerned department or agency.
