Basic Age Requirement

• The minimum age to open a Senior Citizen Account in India is 60 years.
• This applies to both men and women uniformly.
• Age is calculated as per the date on official documents.
• Banks require age confirmation through valid ID proof.
• The eligibility begins from the exact date of turning 60.

Super Senior Citizen Classification

• Individuals aged 80 years and above are classified as super senior citizens.
• They may receive additional benefits in banking and taxation.
• Special schemes and rates may apply to this age group.
• Not all banks separate benefits between 60+ and 80+ categories.
• Policies vary based on the financial institution.

Premature Retirement and Eligibility

• Persons retiring before 60 are not eligible for senior citizen accounts.
• Retirement status alone does not grant eligibility.
• Age-based criteria are strictly followed by banks.
• Some banks offer pension-linked services for early retirees.
• Eligibility for senior citizen schemes remains age-dependent.

Documents Required to Prove Age

• Aadhaar card, PAN card, or passport accepted as age proof.
• Voter ID and birth certificate may also be used.
• Originals may be verified at the time of account opening.
• All documents must reflect the applicant’s full date of birth.
• Self-attested copies are usually submitted with the form.

Exceptions and Special Cases

• No exceptions to the minimum age requirement in standard schemes.
• Joint accounts with senior citizens do not extend benefits to younger holders.
• Benefits apply only when the primary holder meets the age condition.
• Banks follow RBI guidelines on age-based classification.
• Special requests or exemptions are handled on a case-by-case basis.