9 Unknown And Best Schemes Of Indian Post Office With Free ATM – పోస్ట్ ఆఫిస్ లో మీకు తెలియని పధకాలు – With Subtitles
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The Financial service offered by Post office includes Savings and Postal Life Insurance (PLI) / Rural Postal Life Insurance (RPLI). The Post Office small savings scheme provides a secure, risk free and attractive investment option for the small investors and offers the savings products across its 1,55,000 Post offices.
The Post Office savings bank is the oldest and by far the largest banking system in the country, serving the investment need of both urban and rural clientele. These services are offered as an agency service for the Ministry of Finance, Government of India. Several products on offer serve various investment requirements of the customers.
Post Office Savings Account
4.0% per annum on individual / joint accounts. Minimum INR 20/- for opening.
Account can be opened by cash only.
Minimum balance to be maintained in a non-Cheque facility account is INR 50/-.
Cheque facility available if an account is opened with INR 500/- and for this purpose minimum balance of INR 500/-in an account is to be maintained.
Cheque facility can be taken in an existing account also.
Interest earned is Tax Free up to INR 10,000/- per year from financial year 2012-13.
Nomination facility is available at the time of opening and also after opening of account.
Account can be transferred from one post office to another.
One account can be opened in one post office.
Account can be opened in the name of minor and a minor of 10 years and above age can open and operate the account.
Joint account can be opened by two or three adults.
At least one transaction of deposit or withdrawal in three financial years is necessary to keep the account active.
Single account can be converted into Joint and Vice Versa.
Minor after attaining majority has to apply for conversion of the account in his name.
Deposits and withdrawals can be done through any electronic mode in CBS Post offices.
*Inter Post office transactions can be done between CBS post offices
* ATM/Debit Cards can be issued to Savings Account holders (having prescribed minimum balance on the day of issue of card) of CBS Post offices.
Post Office Saving Schemes
5 – Year Recurring Deposit (RD) Account
Time Deposit (TD) Account
Monthly Income Scheme (MIS) Account
Public Provident Fund (PPF) Account
National Savings Certificates (NSC)
Senior Citizen Savings Scheme (SCSS) Account
Sukanya Samriddhi Accounts
Kisan Vikas Patra (KVP)
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