​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ Post Office Saving Schemes

Post Office Savings Schemes

  • Post Office Savings Account(SB)​​​​
  • National Savings Recurring Deposit Account(RD)​​
  • ​ ​ National Savings Time Deposit Account(TD)
  • National Savings Monthly Income Account(MIS)
  • Senior Citizens Savings Scheme Account(SCSS)
  • ​​Public Provident Fund Account(PPF )
  • Sukanya Samriddhi Account(SSA)​
  • National Savings Certificates (VIIIth Issue) (NSC)
  • Kisan Vikas Patra(KVP)
  • PM CARES for Children Scheme, 2021
  • ​​​​ Interest rates (New)
  • How to avail services
  • ​​​Schedule of Fee
  1. How can I claim payment of deceased account / certificate holder?

    The claim can be settled by three modes

    Nomination :-Submit nomination claim form with Death Certificate with KYC documents

      1. Legal evidence (Probate of will, Letter of administration, Succession certificate) :- Submit Claim Form, Legal evidence and Death certificate with KYC documents.
      2. Without nomination ( up to 5 Lakh ) :- Submit claim form, death certificate, Annexure-I (Letter of Indemnity) , Annexure-II(Affidavit)  and Annexure III (Letter of disclaimer of affidavit)  with KYC documents of   claimant,deponents,  witnesses, sureties etc.

        Note:-

        1. If there is no nomination and deposit value at the date of death is above Rs. 5 Lakh , claim can be settled only through Succession Certificate.
        2.  Claim in case of without nomination (up to 5 lakh) can be settled after 6 month of death of the depositor.​
  2. ​How to transfer accounts and certificate?

    For transfer of accounts/certificate- the depositor should apply in the prescribed form SB 10(B)/NC-32 with Passbook and KYC documents. The transfer application can be given either in transferring office or transferee office. However the transfer process will be done by respective Head Post Offices.

  3. How to open an account in post office and its requirements?

    To open an account in Small Savings Schemes viz Savings Account (SB), Recurring Deposit (RD), Time Deposit (TD), Monthly Income Scheme (MIS), Senior Citizen Savings Scheme (SCSS)submit Account Opening Form (AOF) duly filled in with KYC documents and deposit slip(SB 103) in desired Post Office.

  4. What is silent account and how to revive it?

    An account in which a deposit or withdrawal has not taken place for three complete Financial Years, shall be treated as silent account.

    For revival, one application from  the customer with KYC documents is required. Respective HO will revive the accounts.​

  5. What are late payment fees for recurring deposits?

    The monthly deposits for account opened between 1 to 15 should be credited  up to 15th of the month and account opened between 16 to the last of the month monthly deposit should be credited by last day of the month. If the monthly installment is not credited for any particular month, then it becomes a default. The defaulted months can be credited subsequently (revival fee for INR. 100/- denomination is Re. 1  for each month of default) maximum 4 defaults are allowed.

  6. What is the procedure for the issue of duplicate certificates?

    The investor should apply in the prescribed form for duplicate certificate in respect of lost, stolen, destroyed, mutilated or defaced certificates (NC-29).
    The application shall be accompanied by a statement showing particulars of certificates and furnish an indemnity bond in the prescribed form with one or more sureties or with a bank guarantee.

    In case of mutilated or defaced certificates, no indemnity bond is required. The duplicate certificate will be issued in the form of Passbook from respective HO.

  7. How I get duplicate passbook?

    Application in the prescribed form or manuscript application may be given. A prescribed fee for issue of duplicate passbook to be paid.  New duplicated Passbook will be issued by respective Head Post Offices.

  8. What are the norms for issuing a Cheque Books?

    Cheque books are issued in respect of Post Office Savings Account.  Minimum balance to be maintained in respective Post Office Savings Account should be Rs. 500.​

  9. What are the service charges for outstations Cheque?

    Cheque realization charges for outstation Cheque.
    INR. 30/- for first thousand or part
    INR. 3/- for each additional thousand or part
    In case of bouncing of Cheque INR. 50/- is charges as service charge.

  10. Can Monthly Income Scheme (MIS) interest be credited to RecurringDeposit (RD) account?

    No. There is no provision. MISInterest amount can be credited to SB account and Standing  Instruction can be given for credit into RD from SB. A prescribed application form to be submitted to respective Post Office.

  11. What is the minimum balance required for an account?

    Minimum balance in respect of different types of Small Savings Accounts is given below.
    Post Office Savings AccountINR. 500/-
    National Savings Recurring Deposit AccountINR. 100/-
    Monthly Income Scheme                                INR. 1000/-
    Time Deposit AccountINR. 1000/-
    Public  Provident FundINR. 5​00/-
    Sukanya Samriddhi AccountINR. 250/-
    Senior Citizen Savings SchemeINR. 1000/-
    National Savings Certificate (VIIIth Issue)INR. 1000/-
    Kisan Vikas Patra​INR. 1000/-
  12. How I can get encashment of certificates / account before maturity?

    Premature encashment conditions for Small Savings Schemes as below.
    POSA   Can be closed at any time
    RD Can be closed after 3 years, only SB rate of interest is permissible.
    TD Can be closed after 6 months*
    MIS Can be closed after 1 year*.
    PPFAfter 5 years only in case of Severe Illness, Higher Education and NRI status.
    ​SSA                           On the occasion of marriage of girl child after age 18.
    SCSS   Can be closed at any time*.
    NSC (VIII Issue)​Premature encashment is not permitted (except in case of death and forfeiture).​
    KVPAfter 2 years 6 months
    ​* Preclosure fee at prescribed rates are applicable
  13. ​Are there any charges​ for the use of ATM Card ?

    Charges in respect of different types of ATM transactions are given below.​

    Daily ATM cash withdrawal limitINR. 25000/-
    Cash withdrawal limit per transactionINR. 10000/-
    Charges for transactions done at DOP ATMs Nil.
    Free transactions at other bank ATMs (Per month)                                                       Metro Cities - 3 free transactions (Both Financial & Non Financial) 
    Non Metro Cities - 5 free transactions (Both Financial & Non Financial)
    Charges after free transactions at other bank ATMs

    INR.​ 20/-  + GST per transaction

    (For financial &non financial transactions)


  14. ​Charges for ATM transactions on ATM outlets of lndia Post as well as other banks

    Transaction TypeCharges (Rs.)Date of implementation
    Debit Card Replacement ChargesRs.300/- + GST01.10.2021
    Duplicate PIN/Regeneration of PIN through BranchRs.50/- + GST01.10.2021
    ATM/POS transaction Technical declines attributable to customer (i.e. lack of balance in account)Rs.20/- + GST01.10.2021
    AT PoS - Cash withdrawals for DoP Debit cards (On- Us transactions)1% of the transaction value subject to a maximum of Rs.5/- per transaction 01.10.2021
    Charges for Withdrawal at ATMFinancial Transactions at other ATMs - Beyond 3 free transactions- (ln Metro Cities) and 5 free transactions in Non-Metro Cities Rs.20/- + GST 01.10.2021
    Financial Transactions at own ATMs-Beyond 5 free transactions- Rs.10/- + GST01.10.2021
    Non-Financial Transactions at other ATMs - Beyond 3 free transactions- (ln Metro Cities) and 5 free transactions in Non-Metro Cities - Rs.8/- + GST 01.10.2021
    Non-Financial Transactions at own ATMs - Beyond 5 free transactions Rs.5/- + GST 01.10.2021
    ATM/Debit Card Annual Maintenance Charges Rs.125/- + GSTCharges are applicable on Cycle of 01.10.2021 to 30.09.2022 and Subsequent cycles.charges to be collected at the end of the cycle i.e. on 30.09.2022
    SMS Alert charges per annum from Debit card HoldersRs.12/- (incl GST)Charges are applicable on Cycle of 01.10.2021 to 30.09.2022 and Subsequent cycles.charges to be collected at the end of the cycle i.e. on 30.09.2022
  15. In which savings accounts ATMs card/Net banking can not be issue ? 
        1. Minor/Lunatic  Account
        2. Joint A Account
  16. Whether Netbanking /Mobile Banking facilities available in Post Office Savings Accounts ?

    Intra Operable Netbanking/Mobile Banking facilities is available for Post Office Savings Accounts customers of CBS Post Offices. This will work within POSB ie DoP network.

  17. How can I activate Intra Operable netbanking /mobile banking ?

    Post Office Saving Account customer to submit duly filled request form in respective Post Office, After enabling desired service in customers Savings Accounts by Post Office, customer will get activation code on his/her mobile within 48 hours to proceed further.​

  18. What facilities is available in Intra Operable Netbanking ?

      1. ​View transaction of all linked accounts.
      2. View/Print statement .
      3. Fund transfer between Post Office Savings Accounts.
      4. Deposit in linked RD Accounts.
      5. Deposit in linked SSA Account.
      6. Deposit in linked PPF account.
      7. Opening of TD account.
      8. Opening of RD account.
      9. Cheque Stop payment request.

Senior Citizen Welfare Fund Rules ​2016


  1. How can I claim payment of deceased account / certificate holder?

    The claimant may be the nominee or legal heir.
    If there is nomination, the nominee can prefer the claim in the prescribed form along with death certificate.
    If there is no nomination, any one of the legal heirs can prefer the claim in the prescribed form [SB84]. For this death certificate and consent statements of all legal heirs are required. Claim up to one lakh can be settled.
    If the claim is exceeding one lakh, claims can be settled by legal evidence ie, by probate of will or succession certificate.

  2. How to transfer accounts and certificate?

    For transfer of accounts- the depositor should apply in the prescribed form SB10(b) or manual application. The application can be given either in transferring office or transferee office.
    For transfer of certificates- the investor should apply in the prescribed form[NC32]. The application may be given in either of the offices.

  3. How to open an account in post office and its requirements?

    To open an account [Savings Bank(SB), Recurring Deposit(RD), Time Deposit(TD), Monthly Income Scheme(MIS) SB3, SB103 (pay-in-slip) and specimen signature slip for SB and TD are required.
    For senior citizen accounts, separate forms are to be used. For SB account introduction is compulsory.

  4. What is silent account and how to revive it?

    When there is no transaction in an SB account continuously for 3 financial years, the account will be treated as silent account.
    For revival, one application from the customer is required. LSG/HSG offices can revive the accounts independently. Remaining offices, HO will revive the accounts.
    If the balance in the silent account is less than minimum, then INR. 20/- will be debited towards service charges.

  5. What are late payment fees for recurring deposits?

    The monthly deposits should be credited on any day of the month. If the monthly installment is not credited for any particular month, then it becomes a default. The defaulted months can be credited subsequently (for INR. 10/- denomination, 0.020 rs for each month of default) maximum 4 defaults are allowed.

  6. What is the procedure for the issue of duplicate certificates?

    The investor should apply in the prescribed form for duplicate certificate in respect of lost, stolen, destroyed, mutilated or defaced certificates (NC29).
    The application shall be accompanied by a statement showing particulars of certificates and furnish an indemnity bond in the prescribed form with one or more sureties or with a bank guarantee is required.
    In case of mutilated or defaced certificates, no indemnity bond is required.

  7. How I get duplicate passbook?

    Application in the prescribed form or manuscript application may be given by affixing prescribed fee in the form of postage stamp. New duplicated Passbook will be issued by sub post offices only.

  8. What are the norms for issuing a Cheque Books?

    Cheque books are issued in respect of Cheque accounts.
    In a Cheque account, minimum balance should be INR. 500/-

  9. What are the service charges for outstations Cheque?

    Cheque realization charges for outstation Cheque.
    INR. 30/- for first thousand or part
    INR. 3/- for each additional thousand or part
    In case of bouncing of Cheque INR. 50/- is charges as service charge.

  10. Can Monthly Income Scheme (MIS) interest be credited to RecurringDeposit (RD) account?

    No. There is no provision. Interest amount can be credited to SB account and after that from SB to RD is permissible.

  11. What is the minimum balance required for an account?

    Minimum balances in respect of different types of account is given below.

    Minimum balances in respect of different types of account
    SB(Cheque account)INR. 500/-
    SB(non Cheque account)INR. 50/-
    MISINR. 100/-
    TDINR. 1​00/-
    PPFINR. 500/-
    Senior CitizenINR. 1000/-
  12. How I can get encashment of certificates / account before maturity?

    encashment of certificates / account before maturity for different account
    NSCs (VIII Issue)Maturity period 5 years (for certificates issued on or after .01.11.2011). No premature encasement possible.
    Different Savings Accounts
    SBCan be closed at any time
    RDPremature closure permissible after 3 years - only SB rate is permissible
    TDPremature closure permissible after 6 months
    MISPremature closure permissible after 1 year
    Senior CitizenPremature closure after 1 year

  13. Are there any charges for the use of ATM Card ?

         Charges in respect of different types of ATM transactions are given below.

ATM transaction / charge details
Daily ATM cash withdrawal limitINR. 25000/-
Cash withdrawal limit per transactionINR. 10000/-
Charges for transactions done at DOP ATMsFree (Both Financial & Non Financial) with a limit of 5 Financial transactions per day
​Permissible free transactions at other Bank ATMs (per month)Metro Cities - 3 free transactions (Both Financial & Non Financial)
Non Metro Cities - 5 free transactions (Both Financial & Non Financial)
Charges after exceeding permissible free transaction limit at other Bank ATMsFinancial & Non Financial Transactions - Rs 20 + Applicable GST

  • Post Office Savings Account​​
  • National Savings Recurring Deposit Scheme
  • National Savings Time Deposit Account
  • National Savings Monthly Income Account (MIS)
  • Senior Citizens Savings Scheme Account
  • Public Provident Fund Account
  • National Savings Certificates (VIII Issue) ​Account
  • Kisan Vikas Patra Account
  • Sukanya Samriddhi Account
  • Schedule of Fee

Previous Year Interest Rates

(Interest rates of National (Small) Savings Schemes before 30.09.2022)

Name of Scheme: SB

FromToInterest Rate
01-04-198131-12-19985.50
01-01-199928-02-20014.50
01-03-200130-11-2011​​3.50
01-12-201130-09-2020​​4.0

Name of Scheme: RD

FromToInterest Rate
(Maturity Value for Dn.10)
01-04-198131-03-19829.90 (778.10)
01-04-198228-02-198310.30 (786.80)
01-03-198331-03-1987​​11.30 (807.60)
01-04-198731-03-199111.00 (800.30)
01-04-199130-09-199111.50 (811.15)
01-10-199101-09-199313.50 (856.40)
02-09-199331-12-199812.50 (833.40)
01-01-199931-12-199911.50 (811.15)
01-01-200014-01-200011.50 (811.15))
15-01-200031-01-200010.50 (789.60)
01-02-200028-02-200110.50 (789.60)
01-03-200128-02-20029.00 (758.53)
01-03-200228-02-20038.50 (748.49)
01-03-200301-08-20047.50 (728.90)
02-08-200430-11-20117.50 (728.90)
01-12-201131-03-20128.00 (738.62)
01-04-201231-03-20138.40 (746.53)
01-04-201331-03-20148.30 (744.53)
01-04-201417-11-20148.40 (746.53)
18-11-201420-01-20158.40 (746.53)
21-01-201531-03-20158.40 (746.53)
01-04-201531-03-20168.40 (746.53)
01-04-201630-09-20167.40 (726.97)
01-10-201631-03-20177.30 (725.05)
01-04-201730-06-20177.20 (723.14)
01-07-201731-12-20177.10 (721.23)
01-01-201830-09-20186.90 (717.43)
01-10-201831-12-20187.30 (725.05)
01-01-201931-03-20197.30 (725.05)
01-04-201930-06-20197.30 (725.05)
01-07-201930-09-20197.20 (723.14)
01-10-201931-12-20197.20 (723.14)
01-01-202031-03-20207.20 (723.14)
01-04-202030-09-20205.80 (6969.67 for Rs. 100 Dn)

Name of Scheme: TD

FromTo1 Yr TD2 Yr TD3 Yr TD5 Yr TD
02-03-198131-03-19828.509.5010.5010.50
01-04-198228-02-19839.009.7510.5010.50
01-03-198309-05-19859.009.7510.5011.50
10-05-198531-03-19879.5010.0010.5011.50
01-04-198731-03-19919.5010.0010.5011.00
01-04-199130-09-19919.5010.0011.0011.50
01-10-199115-12-199110.0011.0013.0013.50
16-12-199101-09-199312.0012.0013.0013.50
02-09-199331-12-199910.5011.0012.0012.50
01-01-199914-01-20009.0010.0011.0011.50
15-01-200028-02-20018.009.0010.0010.50
01-03-200128-02-20027.508.009.009.00
01-03-200228-02-20037.257.508.258.50
01-03-200330-11-20116.256.507.257.50
01-12-201131-03-20127.707.808.008.30
01-04-201231-03-20138.208.308.408.50
01-04-201331-03-20148.208.208.308.40
01-04-201431-03-20168.408.408.408.50
01-04-201630-09-20167.107.207.407.90
01-10-201631-03-20177.007.107.307.80
01-04-201730-06-20176.907.007.207.70
01-07-201731-12-20176.806.907.107.60
01-01-201830-09-20186.606.706.907.40
01-10-201831-12-20186.907.007.207.80
01-01-201931-03-20197.007.007.007.80
01-04-201930-06-20197.007.007.007.80
01-07-201930-09-20196.906.906.907.70
01-10-201931-12-20196.906.906.907.70
01-01-202031-03-20206.906.906.907.70
01-04-202030-09-20205.505.505.506.70

Name of Scheme: MIS

FromToInterest Rate
15-08-198723-04-199212.00
24-04-199201-09-199314.00
02-09-199331-12-199813.00
01-01-199914-01-200012.00
15-01-200028-02-200111.00
01-03-200128-02-20029.50
01-03-200228-02-20039.00
01-03-200301-08-20048.00
02-08-200430-11-20118.00
01-12-201131-03-20128.20
01-04-201231-03-20138.50
01-04-201331-03-20148.40
01-04-201417-11-20148.40
18-11-201420-01-20158.40
21-01-201531-03-20158.40
01-04-201531-03-20168.40
01-04-201630-09-20167.80
01-10-201631-03-20177.70
01-04-201730-06-20177.60
01-07-201731-12-20177.50
01-01-201830-09-20187.30
01-10-201831-12-20187.70
01-01-201931-03-20197.70
01-04-201930-06-20197.70
01-07-201930-09-20197.60
01-10-201931-12-20197.60
01-01-202031-03-20207.60
01-04-202030-09-20206.60

Name of Scheme: SCSS

FromToInterest Rate
02-08-200430-11-20119.00
01-12-201131-03-20129.00
01-04-201231-03-20139.30
01-04-201331-03-20149.20
01-04-201417-11-20149.20
18-11-201420-01-20159.20
21-01-201531-03-20159.20
01-04-201531-03-20169.30
01-04-201630-09-20168.60
01-10-201631-03-20178.50
01-04-201730-06-20178.40
01-07-201731-12-20178.30
01-01-201830-09-20188.30
01-10-201831-12-20188.70
01-01-201931-03-20198.70
01-04-201930-06-20198.70
01-07-201930-09-20198.60
01-10-201931-12-20198.60
01-01-202031-03-20208.60
01-04-202030-09-20207.40

Name of Scheme: PPF

PeriodInterest RateLimit for Investment
01.04.1968 to 31.03.19694.8015000
01.04.1969 to 31.03.19704.8015000
01.04.1970 to 31.03.1971515000
01.04.1971 to 31.03.1972515000
01.04.1972 to 31.03.1973520000
01.04.1973 to 31.03.19745.3020000
01.04.1974 to 31.07.19745.8020000
01.08.1974 to 31.03.1975720000
01.04.1975 to 31.03.1976720000
01.04.1976 to 31.03.1977720000
01.04.1977 to 31.03.19787.5020000
01.04.1978 to 31.03.19797.5030000
01.04.1979 to 31.03.19807.5030000
01.04.1980 to 31.03.1981830000
01.04.1981 to 31.03.19828.5030000
01.04.1982 to 31.03.19838.5040000
01.04.1983 to 31.03.1984940000
01.04.1984 to 31.03.19859.5040000
01.04.1985 to 31.03.19861040000
01.04.1986 to 31.03.19881240000
01.04.1988 to 31.03.19991260000
01.04.1999 to 14.01.20001260000
15.01.2000 to 28.02.20011160000
01.03.2001 to 28.02.20029.5060000
01.03.2002 to 31.03.20029.0060000
01.04.2002 to 28.02.2003970000
01.03.2003 to 31.03.2011870000
01.04.2011 to 30.11.20118100000
01.12.2011 to 31.03.20128.60100000
01.04.2012 to 31.03.20138.80100000
01.04.2013 to 31.03.20148.70100000
01.04.2014 to 31.03.20168.70150000
01.04.2016 to 30.09.20168.10150000
01.10.2016 to 31.03.20178150000
01.04.2017 to 30.06.20177.90150000
01.07.2017 to 30.09.20177.80150000
01.01.2018 to 30.09.20187.60150000
01.10.2018 to 30.06.20198.00150000
01.07.2019 to 31.03.20207.90150000
01.04.2020 to 30.09.20207.10150000

Name of Scheme: SSA

FromToInterest Rate
21-01-201531-03-20159.10
01-04-201531-03-20169.20
01-04-201630-09-20168.60
01-10-201631-03-20178.50
01-04-201730-06-20178.40
01-07-201731-12-20178.30
01-01-201830-09-20188.10
01-10-201831-12-20188.50
01-01-201931-03-20198.50
01-04-201930-06-20198.50
01-07-201930-09-20198.40
01-10-201931-12-20198.40
01-01-202031-03-20208.40
01-04-202030-09-20207.60

Name of Scheme: NSS 87

FromToInterest Rate
01-04-198728-02-200211.00
01-03-200330-09-20207.50

Name of Scheme: NSS 92

FromToInterest Rate
16-12-199214-01-200011.00
15-01-200028-02-200110.50
01-03-200128-02-20029.00
01-03-200228-02-20038.50
01-03-200330-09-20207.50

Name of Scheme: KVP

FromToMaturity Period
02-02-199331-12-19985 Year 6 Month
01-01-199914-01-20006 Years
15-01-200028-02-20016 Years 6 Months
01-03-200128-02-20027 Years 3 Months
01-03-200228-02-20037 Years 8 Months
01-03-200330-11-2011
8 Years 7 Months
(Discontinued)
23-09-201431-03-20168 Years 4 Months
(Re-introduced)
01-04-201630-09-20169 Years 2 Months
01-10-201631-03-20179 Years 4 Months
01-04-201730-06-20179 Years 5 Months
01-07-201731-12-20179 Years 7 Months
01-01-201830-09-20189 Years 10 Months
01-10-201831-12-20189 Years 4 Months
01-01-201930-06-20199 Years 4 Months
01-07-201930-09-20199 Years 5 Months
01-10-201931-03-20209 Years 5 Months
01-04-202030-09-202010 Years 4 Months

Name of Scheme: NSC VIII Issue (1989)

FromToMaturity Period in YearsInterest Rate (%)Maturity Value for `100Accrual Interest Year-1Accrual Interest Year-2Accrual Interest Year-3Accrual Interest Year-4Accrual Interest Year-5Accrual Interest Year-6
08-05-198931-12-1998612201.5012.4013.9015.6017.5019.7022.40
01-01-199914-01-2000611.5195.6011.8013.2314.8016.5418.5120.69
15-01-200028-02-2001611190.1211.3012.5814.0015.5817.3519.31
01-03-200128-02-200269.5174.529.7210.6711.7112.8514.1015.47
01-03-200228-02-200369169.599.2010.0510.9711.9813.1014.29
01-03-200330-11-201168160.108.168.839.5510.3311.1712.08
01-12-201131-03-201268.4150.908.589.3110.1110.9811.92-
01-04-201231-03-201358.6152.358.789.5610.4011.3112.30-
01-04-201331-03-201658.5151.628.689.4310.2511.1412.11-
01-04-201630-09-201658.1147.618.108.769.4610.2311.06-
01-10-201631-03-201758146.938.008.649.3310.0810.88-
01-04-201730-06-201757.9146.257.908.529.209.9210.71-
01-07-201731-12-201757.8145.587.808.419.069.7710.53-
01-01-201830-09-201857.6144.237.608.188.809.4710.19-
01-10-201831-12-201858146.938.008.649.3310.0810.88-
01-01-201930-06-201958146.938.008.649.3310.0810.88-
01-07-201911-12-201957.9146.257.908.529.209.9210.71-

Name of Scheme: NSC VIII Issue (2019)

FromToMaturity Period in YearsInterest Rate (%)Maturity Value for `1000
Accrual Interest Year-1Accrual Interest Year-2Accrual Interest Year-3Accrual Interest Year-4Accrual Interest Year-5
12-12-201931-03-202057.91,462.5479.0085.2491.9899.24107.08
01-04-202030-09-202256.81,389.4968.0072.6277.5682.8488.47

Name of Scheme: NSC IX Issue (Discontinued on 20.12.2015)

FromToMaturity Period in YearsInterest Rate (%)Maturity Value for 100Accrual Interest Year-1Accrual Interest Year-2Accrual Interest Year-3Accrual Interest Year-4Accrual Interest Year-5Accrual Interest Year-6Accrual Interest Year-7Accrual Interest Year-8Accrual Interest Year-9Accrual Interest Year-10
01-12-2011 31-03-2012 108.7234.358.899.6810.5411.4812.5013.6114.8216.1317.5719.13
01-04-2012 31-03-2013 108.9238.879.109.9310.8311.8112.8914.0615.3416.7418.2619.92
01-04-2013 19-12-2015 108.8236.608.999.8010.6811.6412.6913.8315.0816.4317.9119.52
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SAFETY GUIDELINES FOR INVESTORS OF NATIONAL SAVINGS SCHEMES


  1. To know details and interest rates of National (Small) Savings Schemes kindly visit https://www.indiapost.gov.in/Financial/Pages/Content/Post-Office-Saving-Schemes.aspx

  2. An account for any of the National (Small) Savings Schemes can be opened by Indian resident by himself/herself by visiting the Post Office in person along-with KYC documents (PAN card and identity proof such as Aadhaar or address proof).

  3. Mobile number, PAN number or Form-60/61 and Nomination are mandatory for opening of new account and in all existing account. If these are not updated in your account/CIF, kindly get these updated through post office concerned immediately.

  4. ATM Card/Cheque Book/Aadhaar Seeding/e-banking/m-banking facilities are available for PO Savings Account, can be availed by submitting prescribed form at post office concerned. Through e-banking, account holder can deposit online in SB/RD/PPF/ SSA schemes and open and close RD/TD account online. For more details kindly read FAQ available at https://ebanking.indiapost.gov.in

  5. Depositor can also credit amount in SB, PPF and SSA accounts from their Account in any other bank or PO Savings Account to other bank Bank Account using NEFT/RTGS services of POSB. IFSC code of POSB is IPOS0000DOP.

  6. Depositors can avail auto credit facility to get TD/MIS/SCSS interest directly into their Bank account by submitting mandate form along with copy of first page of bank passbook or cancelled cheque.

  7. Depositors can avail auto credit facility to get TD/MIS/SCSS interest directly into their PO Savings Account or auto credit RD deposit from PO Savings Account by submitting form (SB-83) at post office concerned.

  8. Depositors can get maturity value of accounts/certificates in their Bank Account by submitting copy of first page of passbook or cancelled cheque along-with account closure form

  9. After receipt of passbook, depositor can check balance of his/her account using ‘Interactive Voice Response (IVR)’ facility by calling through the registered mobile number at Indiapost toll-free number 18002666868.

  10. Blocking of ATM card facility can also be availed through toll free number 18002666868.

  11. SMS is sent to registered mobile number of account holder. Kindly check whether SMS is received for accounts opened and for every transaction. Present limit for SMS issuance on transactions initiated at counter is ₹ 1000 and above for debit(withdrawal) transactions and ₹ 2000 and above for Credit (Deposit) transactions.

  12. In case of any suspicious transaction SMS/Alert is received, kindly contact concerned Post Office/Divisional Office immediately.

  13. Keep passbook/cheque/ATM in personal safe custody. In case of any misuse by using account holder’s passbook/cheque/ATM/ signed withdrawal form the responsibility vests with the depositor.

  14. Update your passbook frequently through any CBS Post Office to avoid any wrong/fraudulent transaction in your account.

  15. In case of any ATM transaction failure in DOP ATM or ATM card related issues, kindly email from your registered email id with details to postatm@indiapost.gov.in. In case of ATM transaction failure in other Bank ATM, kindly contact concerned Bank.

  16. For any e-banking, m-banking, NEFT, RTGS related issues kindly email from your registered email id to dopebanking@indiapost.gov.in

ePassbook for POSB schemes

The Department of Posts (DOP) through the Post Office Savings Bank (POSB) provides various types of accounts as an avenue to the citizens to save and invest their money. The account holders of these schemes are provided a physical passbook into which entries of the transactions are made. To further enhance the convenience of the account holders, the DoP has launched ePassbook feature for the account holders of POSB schemes. ePassbook is a feature providing the following services through an online webpage –

  1. Balance enquiry
  2. Mini statement*
  3. Full statement**

Following is the workflow for the same in brief –

  1. After OTP validation, the webpage will provide the option of accessing the ePassbook.
  2. The customer will have to select the scheme and enter the relevant account details.
  3. Another OTP validation will be done after which the customer will have to select the required service i.e Balance Enquiry or Mini Statement.
  4. Based on the service chosen, either the balance will be displayed or the mini statement will be displayed.
  5. The mini statement can also be downloaded if needed.

Click here to access your ePassbook

* Mini statement will be available for SB, PPF and SSA schemes currently.

** Full statement will be introduced for POSB schemes in a phased manner.