SENIOR CITIZEN AND TAX PLANNING FOR AY 2017-18

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 Senior Citizen can be defined as an elderly person, especially an old-age pensioner or retired person. Under INCOME TAX ACT, a person becomes senior citizen in any financial year after attaining the age of 60 years and a person becomes Super Senior Citizen after attaining the age of 80 years. Many of us are not aware of so many things happening around us, due to the busy schedules of work life & other things. Basically, about the Income Tax & its benefits, exemptions & deductions available for a senior citizen as an individual, very few of us have knowledge or I can say familiar to those & avails the benefits of it for the Tax Planning purpose.Here are some important and useful deductions, exemption, tax planning guide for the senior citizens as an individual.
 

Who is eligible senior citizen?

    For Income Tax Purpose, there are two categories of senior citizens:

  • Senior citizen – above 60 & below 80 years of age
  • Super Senior citizen – above 80 years of age
 

What are the Slab rates for senior citizens?

 

Income Tax Slabs
Senior citizens
(above 60-80 years)
Super-senior citizens
(above 80 years)
Income up to Rs. 3,00,000
NIL
NIL
Rs. 300,001 – Rs. 500,000
10% of Income exceeding
Rs. 3,00,000
NIL
Rs. 500,001 – Rs. 10,00,000
20% of Income exceeding
Rs. 5,00,000
20% of Income exceeding
Rs. 5,00,000
Income between Rs. 10,00,000
30% of Income exceeding
Rs. 10,00,000
30% of Income exceeding
Rs. 10,00,000
         
Here senior citizens are granted a higher exemption limit up to Rs. 3,00,000 & Rs. 500,000 for Super-senior citizen compared to non-senior citizens. In other words, a senior citizen is not liable to pay any tax up to income of Rs. 3,00,000 (super-senior citizen up to Rs. 5,00,000 no tax is payable).Further you can save additional up to Rs. 5,000 in taxes, if you are earning below Rs. 5,00,000 as Tax rebate u/s 87A. 
 

What are the Deductions available for senior citizen?

 

 

     1)Deduction u/s 80C :

You can claim deductions up to Rs. 1.5 lack per year u/s 80C, against investments eligible for the tax deduction. Some of these are as followed-
  • Payment made towards life insurance policies (for self, spouse or children)
  • Payment made towards a superannuation/provident fund
  • Tuition fees paid to educate a maximum of two children
  • Payments made towards construction or purchase of a residential property
  • Payments issued towards a fixed deposit with a minimum tenure of 5 years
  • Investment in senior citizens saving scheme 

     2)Deductionu/s 80D:

As per this section you can claim deduction on the amount paid by an individual towards the premium of a health insurance policy up to Rs. 30,000, if the person insured is senior citizen & Rs. 30,000 on the premium paid for the parent’s health insurance. In case of super-senior citizen, if no amount is paid in respect of health insurance, then the deduction is allowable for medical expenditure is up to Rs. 30,000.

    3)Deduction u/s 80DDB:

This section provides provision for deduction against the expenses incurred by a senior citizen for himself/family towards medical treatment of below given diseases up to Rs. 60,000 & for super-senior citizen it is up to Rs. 80,000.
diseases eligible for the deduction are: –


A )  Hematological disorders –
• Thalassaemia
• Hemophilia

B )   Diseases that are neurological in nature such as-
• Ataxia
• Dementia
• Aphasia
• Dystonia Musculorum Deformans
• Hemiballismus
• Parkinson’s Disease
• Chorea
• Motor Neuron Disease

C )   Chronic renal failure

D )  Malignant cancers

E )    Full blown Acquired Immune-Deficiency Syndrome (AIDS).
      For claiming such deduction u/s 80DDB, you must acquire a                 certificate of the disease from a specialist who is employed on full-       time basis at the hospital, having degree that is validated by the           Medical Council of India.

What are the tax benefits available?

    1. Advance tax is exempted for those which are not having any business income, which means you are only liable to pay self-assessment tax on your total income.
 
    2. On submission of Form 15H & Form 15G (self-declaration forms) by you to your banker, there will be no TDS deducted on the Interest received on the Fixed Deposit/Recurring deposits.
 
    3. Amount paid as installment under reverse mortgage scheme is fully exempted from the levy of income tax.
 
A reverse mortgage is a special kind of home loan for senior citizens who are above the age of 60. This type of loan does not need any payments monthly but still the people who opt for such a loan have to take care of property taxes and homeowner’s insurance.
 
Features of Reverse mortgage scheme:
  • The scheme of reverse mortgage has been brought about to provide help to senior citizens who own a house but have inadequate income to meet their needs
  • A homeowner who is above 60 years of age is eligible for the reverse mortgage loan. It allows him to turn the equity in his home into one lump sum or into payments which will be done periodically as agreed upon by the borrower and the banker.
  • No repayment is needed if the borrower lives and he or she should take responsibility to settle payments of all taxes relating to the house and maintain the property as his primary residence.
  • The loan amount to be provided depends on several factors: 
  1.   Borrower’s age
  2.   Value of the property         
  3.  Current interest rates   
  4.  The specific plan chosen

 

Interest rates on the Investment/Saving Schemes for FY 2016-17

  • Under the Senior Citizen Savings Scheme (SCSS) at Post Offices, interest at the rate of 8.5% per annum is given on deposits of up to Rs. 15 lakh with a maturity period of 5 years.
  • On Kisan Vikas Patra (KVP), senior citizen savings scheme of five years would earn 8.6% interest. 

                      Top Three Senior Citizen Bank FD’S:

                     (Note: source of below information from Economics Times 26-01-2017)
 
Tenure 1 Year
Interest Rate (%) Compounded Quarterly
What Rs.10,000 will grow to
RBL Bank
8.25
10,851
Union Bank of India
7.75
10,798
Yes Bank
7.60
10,782
 
Tenure 2 Years
Interest Rate (%) Compounded Quarterly
What Rs.10,000 will grow to
RBL Bank
8.35
11,797
Dena Bank
7.75
11,659
Union Bank of India
7.75
11,659
 
Tenure 3 Years
Interest Rate (%) Compounded Quarterly
What Rs.10,000 will grow to
RBL Bank
8.20
12,757
Dena Bank
7.75
12,589
DCB Bank
7.75
12,589
 
Tenure 5 Years
Interest Rate (%) Compounded Quarterly
What Rs.10,000 will grow to
RBL Bank
8.20
15,006
DCB Bank
7.75
14,678
Union Bank of India
7.75
14,678


Conclusion:
                  Hopefully, our Finance Minister Mr. Arun Jaitley will introduce few provisions in relation to senior citizens in upcoming #Budget 2017. A fresh new life starts once you get retired. We understand the social responsibility and believe that Gray Hair should be respected. Hence, ispeedtax.comgives completely Free Consultancy for and Income Tax e-filing to senior citizens

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