Yes, both husband and wife can invest in SCSS separately or hold it jointly. The limit on SCSS account investment is INR 15,00,000. As for joint account holding, the INR 15,00,000 is attributable to the first holder. Therefore, a jointly held account does not stop the person’s spouse from opening an SCSS account. Hence a total of INR 30,00,000 can be invested by husband and wide in two jointly held accounts.