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[TO
BE PUBLISHED IN THE GAZETTE OF INDIA : EXTRAORDINARY, PART II - Sec.3(i)]
MINISTRY
OF FINANCE
(Department
of Economic Affairs)
NOTIFICATION
New
Delhi, the 2nd August, 2004
GSR......(E)
:-
In exercise of the powers conferred by section 15 of the Government
Savings Banks Act, 1873 ( 5 of 1873), the Central Government hereby makes
the following rules, namely:-
1.
Short title and commencement :- (1)
These rules may be called the Senior Citizens Savings Scheme
Rules, 2004.
(2)
They shall come into force on the 2nd day of August, 2004.
2.
Definitions :- In
these rules, unless the context otherwise requires:-
(a)
‘Account’ means a savings account opened by the depositor in
accordance with the provisions of these rules;
(b)
‘Act’ means the Government Savings Banks Act, 1873 ( 5 of
1873);
(c)
‘deposit’ means the money deposited in an account under the
provisions of these rules;
(d)
‘Depositor’ means an individual -
(i)
who has
attained the age of 60 years or above on the date of opening of an account
under the provisions
of these rules, and by whom, or on whose behalf, money is deposited in an
account under these
rules, or
(ii)
who has
attained the age of 55 years or more but less than 60 years, and who has
retired under a voluntary
retirement scheme or a special voluntary retirement scheme on the date of
opening of an account
under these rules, subject to the condition that the account is opened by
such individual within three
months of the date of retirement and a certificate from the employer,
indicating the fact of retirement
under such voluntary or special voluntary retirement scheme, retirement
benefits,
employment
held alongwith period of such employment with the employer, is attached
with the application
form (FORM-A).
(e)
‘Deposit Office’ means any post office in India doing savings
bank work and authorised by Director General
Posts, to open an account under these rules.
(f)
‘Form’ means a form appended to these rules.
3.
Opening of account:- (1) Any
depositor may open an account at any deposit office by making an application
in FORM -A alongwith the amount of deposit as per the pay-in-slip
in FORM-D, duly filled in,
alongwith age proof.
(2)
A depositor
may operate more than one account under these rules subject to the
condition that the deposits
in all accounts taken together shall not exceed the maximum limit as
specified under rule 4:
Provided that more
than one account shall not be opened in the same deposit office during a
calendar month.
(3)
A depositor
may open the account in individual capacity or jointly with spouse.
4.
Deposits and withdrawals :- (1) There
shall be only one deposit in the account in multiple of one thousand
rupees not exceeding rupees fifteen lakh.
(2)
Except as
provided in rule 9, no withdrawal shall be permitted under these
rules before the expiry
of a period of five years from the date of opening of an account.
(3)
The
depositor may extend the account for a further period of three years by
making an application
in FORM-B to the deposit office within a period of one year after
the maturity period of five years
as specified in sub-rule (2).
Explanation.-
Extension
of account under this sub-rule shall be deemed to have been made from the
date of maturity
irrespective of the date of application.
(4)
A deposit
office shall, as soon as it comes to the notice that a deposit exceeds the
ceiling prescribed under
sub-rule (1), request the depositor in writing, to withdraw the excess
deposit immediately.
5.
Mode of deposit :- (1) The
deposit under these rules may be made:
(a)
in cash, if the amount of deposit is less than rupees one lakh.
(b)
by cheque or demand draft drawn in favour of the depositor and endorsed in
favour of the deposit office,
or in favour of the deposit office.
(2)
Where a
deposit is made by cheque or demand draft, the date of deposit under these
rules shall be the
date of encashment of the cheque or demand draft.
(3)
Where a
deposit is made by means of an outstation cheque or demand draft,
collection charges at the
prescribed rate shall be payable alongwith the deposit and the date of
realisatio n of the cheque or demand
draft shall be the date of deposit.
6.
Nomination:- (1) The
depositor may at the time of opening of the account under these rules,
nominate a
person or persons who, in the event of death of the depositor, shall be
entitled to payment due on the account.
(2)
If such
nomination is not made at the time of opening of the account, it may be
made by the depositor
at any time after the opening of the account but before its closure, by an
application in FORM-C,
accompanied by the pass book to the deposit office.
(3)
The
nomination made by the depositor may be cancelled or varied by a fresh
nomination in FORM-C
to the deposit office
in which the account stands.
(4)
Nomination
facility shall be available in the case of joint account also. However, in
such case, the joint
holder will be the first person entitled to receive the amount payable in
the event of death of the depositor
and the nominee’s claim shall arise only after the death of both the
depositor and the joint holder.
Explanation.-
In case of
joint account or where the sole nominee is the spouse, the spouse may
continue the account
in accordance with the proviso below sub-rule (3) of rule 8.
(5)
In case of
a joint account or where the spouse is the sole nominee, the spouse shall
also be eligible to
make, cancel or vary the nomination made earlier, after the death of the
depositor, in accordance with
sub-rule (2) to (4).
(6)
Every
nomination and every cancellation or variation thereof shall be registered
in the deposit office and
shall be valid from the date of such registration, the particulars of
which shall be entered in the pass book.
7.
Interest on deposit :- (1) The
deposit made under these rules shall bear interest at the rate of nine
per cent per annum
from the date of deposit.
(2)
Interest
shall be payable from the date of deposit to 31st March/30th June/30th
September/31st December
as the case may be, in the first instance and thereafter, interest shall
be payable on 31st March,
30th June, 30th September and 31st December.
(3)
In case any
of the dates of interest payment, specified under sub-rule (2), fall on a
Sunday or a holiday,
the previous working day shall be deemed to be the due date for the
purpose of interest payment.
(4)
If so
authorised, interest payable on the due dates as specified in sub rule
(2), shall be credited to the
depositor’s savings account in the deposit office in which the account
exists subject to the condition that
by so credit of the interest amount, the maximum limit of deposits, if
any, in the savings account, is not
exceeded.
(5)
If the
interest payable every quarter is not claimed by a depositor, such
interest will not earn additional
interest.
(6)Interest
shall be rounded off to the nearest multiple of rupee one and for this
purpose any amount of fifty
paisa or more shall be treated as rupee one and any amount less than fifty
paisa shall be ignored.
(7)The
excess amount referred to in sub-rule (4) of rule 4, shall carry interest
at the rate applicable from
time to time to the Post Office e Savings Account and such interest shall
be payable from the date of deposit
of excess amount to the end of the month preceding the month in which the
deposit office requests
the depositor to withdraw the excess amount; the amount of excess
interest, if any, already paid
to the depositor, shall be deducted.
(8)
In case of
an account, continued after maturity under sub-rule (3) of rule 4, the
deposit in such account
shall earn interest at the rate applicable to the new accounts opened or
to be opened under the provisions
of these rules on the date of maturity.
(9)In
case of an account which is not extended on maturity and closed at any
time as per provisions of sub-rule
(2) of rule 8, post maturity interest at the rate, as applicable to
the deposits under the Post Office
Savings Account from time to time, shall be payable on such matured
deposits, upto the end of the
month preceding the month of closure of the account.
8.
Closure of account:- (1) The
deposit made at the time of opening of account shall be paid by the
deposit office at
which the account stands to the depositor on or after expiry of five
years from the date
of the opening of the account on production of the pass book accompanied
by a written application (withdrawal
form) in FORM-E.
(2)
In case the
depositor does not close the account on maturity as specified under
sub-rule (1), and
also does not extend the account under sub-rule (3) of rule 4, the account
shall be treated as matured
and the depositor will be entitled to close the account at a ny time
subject to the condition that post
maturity interest as
prescribed under sub-rule (9) of rule 7, shall only be admissible for the
period beyond
maturity.
(3)
In case of
death of a depositor before maturity, the account shall be closed and
deposit refunded
on an application in FORM-F, along with interest till the end of
the month preceding the month
in which refund is made, to the nominee or legal heirs in case the nominee
has also expired or nomination,
as provided in rule 6, was not made, as the case may be:
Provided
that in case of a joint account, or where the spouse is the sole nominee,
the spouse may continue
the account on the same terms and conditions as specified under these
rules:
Provided
further that in case the spouse does not continue the joint account, the
account shall be closed
on an application in FORM-F and the deposit refunded along with
interest as above.
(4)
Where there
is no nomination in force at the time of death of the depositor, the
amount standing to the
credit of the deceased depositor shall be paid by the deposit office to
the legal heirs of the deceased depositor
on receipt of an application in FORM-F along with a certificate of
death of the depositor and a
succession certificate or Letter of Administration with attested copy of
probated will of the deceased depositor
issued under the provisions of the Indian Succession Act, 1925 (39 of
1925).
Provided
that the total amount including interest, payable upto rupees one lakh may
be paid to the
legal heirs on production of (i) a letter of indemnity, (ii) an affidavit,
(iii) a letter of disclaimer on
affidavit, and (iv) a certificate of death of the depositor on stamped
paper, in the forms as in Annexures
to Form-F.
(5)
No
deduction, as specified under rule 9, shall be made in case of premature
closure of an account at any
time due to death of a depositor.
9.
Premature closure of account:- (1) Notwithstanding
anything contained in sub-rule (2) of rule 4, on an
application in FORM-E, in this regard, the depositor may be
permitted to withdraw the deposit and close
the account at any time after the expiry of one year from the date of
opening of the account subject
to the following conditions, namely:-
(a)
In case the account is closed after the expiry of one year but before the
expiry of two years from the date
of opening of the account, an amount equal to one and a half per cent of
the deposit shall be deducted
and the balance paid to the depositor.
(b)
In case the account is closed on or after the expiry of two years from the
date of opening of the account,
an amount equal to one per cent of the deposit shall be deducted and the
balance paid to the depositor.
(2)
The
depositor availing the facility of extension of account under sub-rule (3)
of rule 4, may be permitted
to withdraw the deposit and close the account at any time after the expiry
of one year from the date
of extension of the account without any deduction.
10.
Pass Book:- (1) On
opening of an account, the depositor shall be given a pass book
immediately, alongwith
the depositor’s copy of the pay-in-slip (Form-D) duly stamped and
signed by the deposit office
in token of having received the amount of deposit. The pass book shall
bear the date of opening of account,
the number of the account, the depositor’s name, photograph(also name
and photograph of the spouse
in case of joint account) and address, the amount deposited, the quarterly
interest payable alongwith
due dates of payment, the date on which the deposit will be due for final
payment, the name(s)
of the nominee(s) and agent’s name, agency code number, date and
validity, in case the account
has been introduced through an agent: Provided
that if the deposit is made by means of a cheque or a demand draft, the
pass book shall be given
to the depositor only on the date of deposit after encashment of the
cheque or demand draft as provided
under sub-rule (2) of rule 5.
(2)
The
depositor availing of the facility of credit of interest in savings
account under sub-rule (4) of rule 7,
shall present the pass book to the deposit office at least once in a year
for completion of entries.
(3)
The
depositor not availing of the facility of credit of interest in savings
account under sub-rule 4 of rule
7, shall present the pass book to the deposit office at the time of
collecting interest every quarter.
(4)
In case of
original pass book being lost, or mutilated or damaged, a duplicate pass
book may be issued
on payment of a fee of rupees ten in case of issue of first duplicate pass
book and rupees twenty in
case of any subsequent issue, on a simple application on plain paper. The
issue of duplicate pass book(s)
shall be noted by the deposit office in its office records including the
ledger folio bearing particulars
of the account.
(5)
In case the
lost pass book is found after issue of a duplicate pass book, it shall not
be treated as valid
for any purpose and shall be surrendered immediately to the deposit office
who shall destroy the same
immediately in presence of the depositor.
11.
Transfer of account from one deposit office to another:- A
depositor may apply on FORM-G,
enclosing
the pass book there to, for transfer of his account from one deposit
office to another in case
of change of residence: Provided
that where the deposit is rupees one lakh or above, a transfer fee of
rupees five per lakh of deposit
shall be payable.
12.
Account opened in contravention of rules:- Whenever
it comes to notice that an account has been
opened in contravention of these rules, the account shall be closed
immediately and the deposit in
the account, after deduction of the interest, if any, paid on such
deposit, shall be refunded to the depositor.
13.
Deposits by Non-Resident Indians(NRIs) and Hindu Undivided Families (HUF):-
(1)
The Non
Resident Indians are not eligible to open an account under these rules: Provided
that if a depositor who subsequently becomes a Non-Resident Indian during
the currency of the
account under these rules, the account may continue till its maturity on a
non-repatriation basis and
the account shall be marked as a Non-Resident account: Provided
further that the account continued under the above proviso, shall not be
extended for any further
period as provided under sub-rule (3) of rule 4.
(2)
Hindu
Undivided Family is also not eligible to open an account under these
rules.
14.
Power to relax:- Where
the Central Government is satisfied that the operation of any of the
provisions
of these rules, causes undue hardship to the depositor, it may, by order,
for reasons to be recorded
in writing, relax the requirements of that provision in a manner not
inconsistent with the provisions
of the Act. [F.No.2-8/2004-NS-II]
(D.
SWARUP)
Secretary
to Government of India
FORM-A
(See
clause (d) of rule 2 and sub rule (1) of rule 3)
Serial
No.......
APPLICATION
FOR OPENING OF AN ACCOUNT UNDER SENIOR CITIZENS SAVINGS SCHEME, 2004
TO
The
Postmaster/Incharge
(name
of the Deposit office)
*Name
of Agent (in
case of the account introduced through agent).............................................................................................
Agency
Code No. ............................ Dated .............................
valid
upto .............................
PAN
No. (of applicant)..............................**.
Sir,
1.
I,
.....................................................,
son/daughter/wife of ............................., a
permanent
resident of...........................................................,
aged.............................years,
hereby apply for opening of an account under the Senior Citizens Savings
Scheme, 2004, (hereinafter referred
to as the said scheme), in my name / jointly in my name and my spouse............................................................
(name
and address of spouse with age)* and tender herewith Rs..............................
(Rupees ..........................................................)
in cash / cheque / demand draft, the particulars
of which are filled in the enclosed ‘pay-in-slip’(Form-D),
towards deposit in the account.
2.
I/we* hereby declare that,-
(i)
I/we* have clearly understood the Senior Citizens Savings Scheme Rules,
2004 governing the accounts under the
said scheme, as amended from time to time(hereinafter referred to as the
said rules);
(ii)
I/we* shall abide by the said rules in letter and spirit;
(iii)
the details of other accounts opened earlier by me/us* under the said
scheme, are as under:-
Sl.No.
Name
of depositor(s) & Type of account
(Individual/Joint)
Name
and Addresss of
the Deposit office
Account
No. with date
of opening
Amount
of Deposit
1
2
3
(iv)
I/we* shall adhere to the ceiling on deposits, taking the deposits in all
the accounts opened by me/us* together,
as specified in rule 4 and amended from time to time. In case, at any
time, any excess deposit is found, such excess
deposit will be refunded to me/us* after recovery of excess interest under
sub-rule (8) of rule 7.
3.
I nominate
the following person / persons, mentioned below, to whom, to the exclusion
of all other persons, in
the event of my death the amount standing to my credit in the account
would be payable in accordance with the provisions
contained in rule 6:
Paste
here a copy of recent
photograph.
(Joint
Photograph of both the Depositor
& Spouse in case of a joint
account)
Sl.
No.
Name(s)of
the nominee(s) alongwith
relationship with the
depositor
Permanent
Address
Date(s)
of birth of nominee(s)
in case of
a minor/ age in other
case(s)
Share
of the nominee(s)
in the amount
payable.
3(a)
As the
nominee(s) at Serial No.(s)............................. above is/are
minor(s),
I appoint
Shri/Smt./Kumari.............................[name(s)
with permanent address(es)
of the person(s) in respect of each minor nominee] to receive the sum due
under the said account in the event
of my death during the minority of the nominee(s).
Signature/Thumb
impression of the depositor
Witnesses (Signature,
name and address):1 .............................
2.............................
Date.............................
At (Place).............................
My/our*
specimen signatures (thumb impression), are as below:-
(i)
First depositor:-
1.
2. ` 3. .
(ii)
*Joint depositor:-
1.
2. ` 3. .
#Witness
.............................
#Witness .............................
#Witness .............................
(Countersigned
Postmaster/Incharge) (Countersigned Postmaster/Incharge) (Countersigned
Postmaster/Incharge)
Date
.............................&
office Seal Date .............................& office Seal Date
.............................&
office Seal
4.
I also
declare that the information provided by me / us* in the application
hereinabove, is true to the best of my/our
knowledge and belief and in case, at any time, any of the information
and/or declaration is found false, no interest
on the deposits shall be payable to me/us*, the deposit office shall close
the account(s) and refund the deposits after
recovery of the interest, if any, already paid on the deposits.
Yours
faithfully,
(Signature
of the applicant)
Date.............................
Place...............................
(Present Postal Address)
Enclosures:
1.
Age proof.
2.
Copy of receipted application form for allotment of PAN, if PAN is not
allotted.
3.
Pay-in-Slip (Form-D), duly filled in alongwith amount of deposit.
4.
Certificate from the employer as specified in sub-clause (ii) of clause
(d) of rule 2.
------------------------------------------------------------------------------------------------------------------------------------------
*:
Score out whichever is not applicable.
**:
(1)The
applicant(s) who are not assessed to income tax, may furnish a self
declaration, that their income from all sources
(including the interest income from the account to be opened vide this
application) does not cross the exemption
limit and the applicant is not required to obtain PAN under Income Tax
Act, 1961, as amended from time
to time.
(2)
All other
applicants shall mention the PAN No. compulsorily and in case they have
not so far been allotted PAN by
the Income Tax Authorities, attested photocopy of the receipted
application form for allotment of PAN should be
attached to the application form.
#:
in case of
thumb impression.
NOTE:
(1) Self
attested copies of any of the following documents can be enclosed as age
proof:- Birth Certificate issued
by the Municipal authority/ Gram Panchayat/District Office of the
Registrar of Births and Deaths; Voter Identity
Card issued by the Election Commission of India; PAN Card; Passport;
Ration Card; Date of birth certificate
from the school last attended by the applicant or any other recognised
educational institution or Driving
Licence issued by the local licensing authority.
(2)
Originals
of the documents attached, should also be produced simultaneously for
verification and return immediately.
FOR
THE USE OF DEPOSIT OFFICE
The
account has been opened on .............................with Rs.
.............................(Rupees..........................................................)
under the Senior Citizens Savings Scheme, 2004.
Account
No...............................Ledger folio No.............................
Agent’s
name, agency code number, date and validity have been entered in the
ledger folio as well as Pass book(in
case
of account introduced through agent).
Pass
Book No.............................has been issued.
Date...............................
Signature of the Incharge of Deposit Office
(alongwith
name and designation stamp)
FORM-B
(See
sub-rule (3) of rule 4)
Serial
No.............................
APPLICATION
FOR EXTENSION OF AN ACCOUNT UNDER
SENIOR
CITIZENS SAVINGS SCHEME, 2004
TO
The
Postmaster/Incharge,
.............................(name
of the Deposit office)
.............................
.............................
Subject:
Application
for extension of an account for three years, with effect
from..............................(date/month/year).
Sir,
1.
I,
.............................,
son/daughter/wife of ............................., a
depositor
of account No . ............................., (hereinafter referred to
as the ‘said account’) hereby apply for
continuation
of the account under the Senior Citizens Savings Scheme, 2004 (hereinafter
referred to as ‘the said
scheme’),
for a further period of three years from the date of maturity of my
above-said account.
2.
I have
understood the terms and conditions applicable to the account during the
period of extension under the
Senior
Citizens Savings Scheme Rules, 2004 as amended from time to time.
3.
I shall
close the account immediately on completion of the extended period and get
back the deposit standing
at
my credit in the account after adjustment of the interest paid in excess,
if any, and any other charges recoverable
in
connection with the said account.
Date
.............................Signature of the Depositor
Place
.............................( name and address)
FOR
THE USE OF DEPOSIT OFFICE
The
account No.............................. which was opened on ..............................with
Rs
............................. (Rupees.............................) under the
Senior Citizens Savings Scheme, 2004 and matured
on ............................., has been extended for a period of
three years with effect from
............................. to .............................Rate of interest at
...............................
per cent per annum as applicable
under the scheme to fresh deposits opened or to be opened on the date of
maturity, shall be applicable
during the extended period of the deposit.
Necessary
entries ha ve been made in the Pass Book No. .............................
and relevant Ledger folio No.............................
accordingly.
Date..............................
Signature of the Incharge of Deposit Office
(along
with name and designation stamp)
FORM-C
(See
rule 6)
Serial
No.............................
APPLICATION
FOR NOMINATION/CHANGE/CANCELLATION OF NOMINATION UNDER SENIOR CITIZENS
SAVINGS
SCHEME, 2004
TO
The
Postmaster/Incharge,
.............................name
of the Deposit office)
..........................................................
..........................................................
Subject:
Application
for Nomination or Change/Cancellation of Nomination.
Sir,
1.*
I, .............................
hereby
nominate the following person / persons, mentioned
below,
to whom, to the exclusion of all other persons, in the event of my death
the amount standing to my credit in the
account
No. .............................would be payable in accordance with the
provisions contained in rule 6 of Senior Citizens
Savings
Scheme Rules, 2004.
Sl.
No.
Name(s)of
the nominee(s)
alongwith
relationship with
the
depositor(s)
Permanent
Address
Date(s)
of birth of
nominee(s)
in case
of
a minor/ age in
other
case(s)
Share
of the
nominee(s)
in the
amount
payable.
2.*
As the
nominee(s) at Serial No.(s)............................. above is/are
minor(s), I appoint
Shri/Smt./Kumari.............................
[name(s)
in full with complete
address(es)
of the person(s) in respect of each minor nominee] to receive the sum due
under the said account in the
event
of my death during the minority of the nominee(s).
3.*
This is in
supercession of the nomination(s), made by me earlier at the time of
opening of account/vide my
application
dated.............................
4.*
I,
.............................,
hereby request to cancel the nomination made by me earlier vide my
application
dated .............................
Witnesses(Signature,
name and address):
1.............................
Signature of
the depositor
(Name
and address)
2.............................
Date.............................At
(Place).............................
*Score
out whichever is not applicable.
FOR
THE USE OF DEPOSIT OFFICE
The
above nomination has been registered on..............................
AND/OR the earlier nomination
dated.............................has been
changed/cancelled.
Necessary
entries have been made in the Pass Book (No.............................)
and relevant Ledger folio No.............................
accordingly.
Date..............................
Signature of the Incharge of Deposit Office
(alongwith
name and designation stamp)
FORM-D
(See
sub-rule (1) of rule 3 and rule 10)
Serial
No.............................
PAY
- IN - SLIP FOR DEPOSITS
UNDER
SENIOR CITIZENS SAVINGS SCHEME, 2004
Counterfoil
(1)
Counterfoil
(2)
Depositor’s
copy Deposit Office’s copy
Name
of Deposit Office Name of Deposit Office
Name
of depositor .............................
Address:
Name
of depositor .............................
Address:
Father’s/Husband’s
name: Father’s / Husband’s Name:
*Name
of Agent (in case of account introduced through
agent)
with agency code No., date and validity
.......................................................................................
*Name
of Agent (in case of account introduced through
agent)
with agency code No., date and validity
.......................................................................................
Account
No.............................. Date.............................
(to
be filled in by deposit office)
Account
No............................. Date.............................
(to
be filled in by deposit office)
Ledger
Folio............................. (to be filled by deposit office) Ledger Folio.............................(to
be filled by deposit office)
Amount
of Deposit (Rs.)# Amount of Deposit (Rs.)#
Cheque/Demand
Draft
realisation
charges (Rs.)##
Cheque/Demand
Draft
realisation
charges (Rs.)##
Account
Transfer Fee (Rs.)## Account Transfer Fee (Rs.)##
Fee
for issue of Duplicate Pass Book
(Rs.)##
Fee
for issue of Duplicate Pass Book
(Rs.)##
Other
charges, if any. (Rs.)## Other charges, if any. (Rs.)##
TOTAL
AMOUNT (Rs.)
TOTAL
AMOUNT (Rs.)
Total
Amount in words (Rupees.............................)
Total
Amount in words (Rupees.............................)
Details
of CASH DEPOSIT: AMOUNT Details of CASH DEPOSIT: AMOUNT
1000
x 1000 x
500
x 500 x
100
x 100 x
50
x 50 x
20
x 20 x
10
x 10 x
05
x 05 x
02
x 02 x
01
x 01 x
COINS
COINS
TOTAL
(CASH): TOTAL (CASH):
Cheque
/Demand Dr aft No. and date:
.............................
Cheque
/Demand Draft No. and date:
.............................
Bank
/ Branch on which drawn:
.............................
Bank
/ Branch on which drawn:
.............................
AMOUNT
(RUPEES) : AMOUNT (RUPEES) :
By
(Depositor’s signature) By (Depositor’s signature)
(
P. T. O.) . ( P. T. O.)
Continued
from prepage.............................
Continued
from prepage.............................
TO
BE COMPLETED BY DEPOSIT OFFICE
TO
BE COMPLETED BY DEPOSIT OFFICE
Head
of Government Account(to be entered by Deposit
Office)#
/ ##...................................................................
Head
of Government Account(to be entered by Deposit
Office)#
/ ##....................................................................
Received
Rs.............................. (Rupees.............................)
as
detailed hereinabove. For deposit in Account
No.............................
*Agent’s
Commission at the rate of.........per cent of deposit amounting
to Rs............................. (Rupees
.............................)###
has
been paid at source (under receipt).
Cashier’s
scroll No.............................
Signature
of Cashier
(with
name and office seal)
Supervisor/Incharge
of
Deposit office alongwith office seal
Received
Rs............................... (Rupees.............................)
as
detailed hereinabove. For deposit in Account No.............................
*Agent’s
Commission at the rate of .............................
per cent of deposit
amounting
to Rs............................. (Rupees
..........................................................)###
has
been paid at source (under receipt).
Cashier’s
scroll No.............................
Signature
of Cashier
(with
name and office seal)
Supervisor/Incharge
of
Deposit office alongwith office seal
NOTE:
1. The cheque/demand draft should be in favour of
the
Deposit Office, or in favour of the depositor duly
endorsed
in favour of the deposit office.
2.
Cheques / Demand Drafts are subject to realisation of
the
proceeds.
*
Score out if not applicable
#:
In respect of Deposits:-Major Head:8001-National
Savings
Deposits.
##:
In respect of various charges:-Major Head:
8008-Income
and Expenditure of NSSF.00.104.Other
Incomes.
###:In
respect of agency commission to agents:
Major
Head: 8008- Income and Expenditure of
NSSF.03.104
NOTE:
1. The cheque/demand draft should be in favour of
the
Deposit Office, or in favour of the depositor duly
endorsed
in favour of the deposit office.
2.
Cheques / Demand Drafts are subject to realisation of
the
proceeds.
*
Score out if not applicable
#:
In respect of Deposits:-Major Head:8001-National
Savings
Deposits.
##:
In respect of various charges:-Major Head:
8008-Income
and Expenditure of NSSF.00.104.Other
Incomes.
###:In
respect of agency commission to agents:
Major
Head: 8008- Income and Expenditure of
NSSF.03.104
FORM
- E
(See
sub rule (1) of rule 8 and rule 9)
Serial
No.............................
APPLICATION
FOR CLOSURE OF AN ACCOUNT UNDER SENIOR CITIZENS SAVINGS SCHEME, 2004
TO
The
Postmaster/Incharge,
.............................(name
of the Deposit office)
.....................................................................................
Subject:
Application
for withdrawal/closure of account.
Sir,
1.
I,
.............................,son/daughter/wife
of .............................
resident
of .......................................................................................
and
depositor of account No. .............................. (hereinafter
referred to as the ‘said account’) hereby apply for
closure of the said account with immediate effect. The interest of Rs.............................
and deposit of Rs.............................
TOTAL(INTEREST+DEPOSIT)
Rs............................. (Rupees
..........................................................), *after adjustment of overpaid interest
and/or
deduction equal to ............................. per cent of the deposit, amounting to Rs.............................
(Rupees
..........................................................) and any other charges, recoverable
from
me in respect of the account in question, may kindly be refunded to me
immediately.
2.
The Pass
Book is enclosed.
Signature
or thumb impression of the Depositor
FOR
USE BY THE DEPOSIT OFFICE
ACCOUNT
No............................. DATE OF DEPOSIT.............................
AMOUNT
OF DEPOSIT:
Rs.............................
Withdrawal
on account of Interest Rs............................. and deposit Rs.............................
totalling to
Rs.............................. (Rupees
...........................................................) is
sanctioned in favour of the depositor.
*Recovery
of overpaid interest Rs............................. deduction
of Rs.............................. and Other
Charges (to be specified) Rs............................. totalling to
Rs............................. (Rupees
..........................................................) has been adjusted.
NET
AMOUNT PAID Rs............................. (Rupees
..........................................................)
RECEIPT
Received
a sum of Rs.............................(Rupees..........................................................)
from
...........................................................(Name
of Deposit office) as per details furnished above.
Signature
/ Thumb impression of the depositor
*:
Score out whichever is not applicable.
FORM
- F
(See
sub-rules (3) and (4) of rule 8)
Serial
No.............................
APPLICATION
FOR CLOSURE OF ACCOUNT UNDER SENIOR CITIZENS SAVINGS SCHEME, 2004
BY
SPOUSE(JOINT HOLDER) / NOMINEE(S)/LEGAL HEIRS
TO
The
Postmaster/Incharge,
.............................(name
of the Deposit office)
.....................................................................................
Subject:
Application
for withdrawal /closure of account.
Sir,
I/WE*
.......................................................... the spouse (Joint holder) / nominee(s) /legal heirs of
late
............................. , the depositor to the Senior Citizens Savings Scheme, 2004 account
No..............................
wish to withdraw the entire amount standing to the credit of the deceased
in
the said account.
Please
find enclosed:-
(i)
A certificate in regard to the death of the Depositor.
(ii)*A
Certificate in regard to the death of Shri/ Shrimati
........................................................... and Shri/Shrimati
..........................................................
also the nominee(s) appointed by the Depositor.
(iii)**
Succession Certificate/Letter of Administration with attested copy of
probated will of the deceased depositor
issued under the provisions of the Indian Succession Act, 1925.
(iv)
Pass Book of the Depositor.
(v)#
Letter of Indemnity.
(vi)#
Affidavit.
(vii)#
Letter of disclaimer on affidavit
Signature
or thumb impression of claimant(s)
Witness.............................
.............................(Signature,
name and address)
.....................................................................................
Date
.............................
Place
.............................
FOR
USE BY THE DEPOSIT OFFICE
Withdrawal
of Rs .............................(Rupees ...........................................................)
is
sanctioned.
Adjustments
made (to be specified) Rs
..........................................................
(Rupees
...........................................................)
NET
AMOUNT PAYABLE Rs
.............................
(Rupees..........................................................)
RECEIPT
TO BE SIGNED BY THE CLAIMANT(S)
Received
a sum of Rs .............................. (Rupees .............................)
from ..............................
(Name of Deposit office) as per details furnished above, in full settlement
of our claim.
Signature
/ Thumb impression of the claimant(s)
*:
Delete whichever is not applicable.
**:
Strike off if there is a valid nomination.
#:
To be produced by legal heirs, in the absence of nomination(s) for claims
upto Rs. 1 lakh.
ANNEXURE-I
TO FORM - F
(Letter
of indemnity)
TO
The
Postmaster / Incharge,
.............................
(Name of the deposit office)
In
consideration of your payment or agreeing to pay me /
us
..........................................................
...............................................................
[Name(s)
of Legal heir(s)] the sum of Rs.............................(Rupees..........................................................)
standing in the account No
.............................
under
SENIOR
CITIZENS
SAVINGS SCHEME, 2004 with
your office in the name of .............................
……………
……………… …………without production of letters of
administration or a succession certificate to the estate
of the deceased ............................. (name
of the depositor),
I/We
.......................................................... and we
..........................................................(sureties) do
hereby for ourselves and our heirs,
legal representatives, executors and administrators jointly and severally
undertake and agree to indemnify you
and your successors and assigns against all claims, demands, proceedings,
losses, damages, charges and expenses
which may be raised against or incurred by you by reason or in consequence
of having agreed to pay/or
paying me/us the sum as aforesaid.
In
witness whereof we have hereunto set my/our hands at this
...............................day
of .............................
in the
presence of witnesses,
Signed
and delivered by the above named heir/heirs
of the deceased.
Signed
and delivered by the above
named sureties (Signature, names and address)
1.
2.
Signature,
names and address of witnesses:
1.
2.
ATTESTED
NOTARY
PUBLIC
ANNEXURE-II
TO FORM - F
(Affidavit)
TO
The
Postmaster / Incharge,
.............................(Name
of the deposit office)
I
/ We ..............................Husband of /
wife of late .............................
aged..........................
sons/daughters of the said late
............................................................................
resident
of ..........................................................do
hereby declare and solemnly affirm as under :-
(1)
That I / we am/are the only heir(s) of the deceased
............................. who
died at ............................. on
..............................
I / We alone represent the estate of Shri/Smt
..........................................................
(2)
That the deceased…………………………………..did not leave
any will and therefore I / we are the only successor(s) to the
estate of the said deceased.
1.
2.
3.
DEPONENTS
VERIFICATION:
I / We, the
above-named deponents do hereby verify on solemn affirmation in
.................................................
(name
of place) that the contents of this affidavit are true to the best of
my/our knowledge and nothing material has been
concealed.
Dated
.............................
1.
2.
3.
DEPONENTS
ATTESTED OATH
COMMISSIONER
ANNEXURE-III
TO FORM - F
(Letter
of disclaimer on Affidavit)
TO
The
Postmaster / Incharge,
.............................(Name
of the deposit office)
I
/ We (i) ............................. Husband of /
wife of .......................................................... Resident
of ..........................................................
(ii)
..........................................................
son/daughter of
..........................................................
(iii)
..........................................................
son/daughter of
..........................................................
do
hereby declare and solemnly affirm as follows :-
(1)
That Shri/Smt. ...........................................................died
intestate on ..........................................................
leaving
behind us ...........................................................his/her
only heirs.
(2)
That we ............................................................heirs
of our late father/mother for ourselves
and on behalf of our heirs, executors, representatives and assigns to
hereby relinquish our claims to the balance of
Rs ............................. which may
be credited to the account sought by our mother/father to be opened
in the deposit office in the name of the estate of the said
............................... deceased
father/mother after the realisation of Draft No.............................
on ..........................................................
issued
by ..............................
(name of the deposit office) and we have
no objection whatsoever in the balance in the above -referred account No.............................
together
with interest,
if any, accrued thereon being paid by the Deposit office to our
mother/father Mrs./Mr
....................................................................................................................
1.
2.
3.
DEPONENTS
VERIFICATION: I / We, the
above -named deponents do hereby verify on solemn affirmation that the
contents of this affidavit
are true to the best of my/our knowledge and nothing material has been
concealed.
Dated
..........................................................
1.
2.
3.
DEPONENTS
I
identify the deponent(s) who is/are personally known to me
and
who has/have signed in my presence.
Dated
.............................
Oath
Commissioner
FORM
- G
(See
rule 11)
Serial
No .............................
APPLICATION
FOR TRANSFER OF ACCOUNT UNDER SENIOR CITIZENS SAVINGS SCHEME, 2004
TO
The
Postmaster/Incharge,
.............................(name
of the Deposit office)
....................................................................................
Subject:
Application
for Transfer of account to another Deposit office.
Sir,
1.
I,
..........................................................,
son/daughter/wife of
.........................................................., Resident
of ............................................,
a
depositor
of account No. ..............................hereby apply for TRANSFER
OF MY ACCOUNT No .............................
with a deposit,
............................................................
(Name
and full address of the transferee deposit office)
2.
The Pass Book is enclosed.
Signature
or thumb impression of the Depositor
Witness
..........................................................*
(signature,
name and address).............................
My
specimen signature/thumb impressions, as available in the record of
transferer deposit office, are as below:-
(i)
Ist Depositor:-
1.
2. ` 3. .
*Witness
............................. *Witness ............................. *Witness.............................
(i)
Joint Depositor:-
1.
2. ` 3. .
Countersigned
Postmaster/Incharge (Countersigned Postmaster/Incharge (Countersigned
Postmaster/Incharge
of
Transferer office) of Transferer office) of Transferer office)
Date
.............................
&
office Seal Date .............................& office Seal Date
.............................&
office Seal
Forwarded
to:.............................Transferee
Deposit office) and necessary entries passed in
the office record(s).
Signature
& office seal (Transferer Deposit office)
Date.............................
FOR
USE BY THE TRANSFEREE DEPOSIT OFFICE
A.
Received application for transfer of account No.............................
opened
on ............................. under
SENIOR CITIZENS SAVINGS SCHEME, 2004, in the name of
............................. &
............................. (joint
holder, if any) standing on the books of the
..........................................................
(name
and address of the transferer deposit office) showing a deposit
of Rs............................. (Rupees
..........................................................),
due to mature on
.............................
B.
The entries in the pass book have been checked, necessary entries
indicating transfer, have been made and pass book
has
been returned to the depositor.
Pass
Book received in Original. Signature of Postmaster / In-charge .......................................................... (with office
seal) Transferee Deposit Office.
#(Signature/thumb
impression of the depositor )
Date
.............................
Date
.............................
*:
In case of thumb impression.
#:
to be signed on receipt of the pass book at the transferee deposit office.
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