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OUR USEFUL BANKING SERVICES

People with meagre income in the country can open Saving Accounts. This is the oldest scheme and very popular.
  1. Introduction of the depositor is compulsory for individual accounts unless the depositor is known to the Post Office.
  2. The account can be opened by paying minimum of Rs. 50 in cash. For opening of cheque account, minimum balance is Rs.500/- Except minor and illiterate, all depositors can have cheque facility.
  3. For account standing at Branch Office, deposit and withdrawal can be made at the account office.
  4. For account standing at Extra Departmental Sub Office, deposit and withdrawal can be made at the Head Office.
  5. Interest is determined on the least balance held in the account between the close of 10th and end of the month.
  6. Nomination facility is available for all individual accounts, except for account opened by minor.

P.O Saving Bank Account

Scheme

Rate of Interest

Limits

Tax Benefit

Savings acounts



Public account / MVSD

Security Deposit

3.5%



3%


2%

1,00,000 single a/c
2,00,000 joint a/c

No Limit


No Limit

Interest earned is totally exempted


Note : Facility for nomination available

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