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ISSUED UNDER THE AUTHORITY OF DIRECTOR-GENERAL OF POSTS, INDIA AND SECRETARY TO GOVERNMENT OF INDIA DEPARTMENT OF POST MINISTRY OF COMMUNICATIONS & INFORMATION TECHNOLOGY

A public bad bank must be in a position to address numerous challenges. First, the transparent removal of troubled assets is necessary in order to ensure that the rescued bank has real prospects for a fresh start. Second, the costs of the bailout for the taxpayer should be minimized. Third, no incentives or new opportunities for opportunistic behavior in the future should be created. To do this, the implemented bad bank model should limit the potential for “hold-up” problems while emphasizing to shareholders and executives that entrepreneurial failure is a real possibility | POST OFFICE SAVINGS BANK MANUAL VOLUME - III ACTS AND RULES OF SAVING SCHEMES FIRST EDITION CORRECTED UPTO 31-12-2006 ISSUED UNDER THE AUTHORITY OF DIRECTOR-GENERAL OF POSTS INDIA AND SECRETARY TO GOVERNMENT OF INDIA DEPARTMENT OF POST MINISTRY OF COMMUNICATIONS INFORMATION TECHNOLOGY Sl. No. C O N T E N T S C H A P T E R S Subject Page 1. 2. The Government Savings Banks Act 1873 The Government Savings Certificates Act 1959 1 5 3. The Public Provident Fund Act 1968 8 4. The Post Office Savings Bank General Rules 1981 10 5. The Post Office Savings Accounts Rules 1986 18 6. The Post Office Recurring Deposit Rules 1981 24 7. The Post Office Time Deposit Rules 1981 41 8. The Post Office Monthly Income Account Rules 1987 48 9. The Senior Citizen Savings Scheme Rules 2004 51 10. The Public Provident Fund Scheme 1968 68 11. The Kisan Vikas Patra Rules 1988 84 12. The National Savings Certificates VIII Issue Rules 1989 95 13. The Post Office Savings Certificates Rules 1960 108 1 CHAPTER-1 THE GOVERNMENT SAVINGS BANKS ACT 1873 5 OF 1873 28 January 1873 As amended by Government Savings Bank Amendment Act 1959 and further modified from time to time An Act to make certain provisions relating to Government Savings Banks PRELIMINARY 1 a Short title - This Act may be called the Government Savings Banks Act 1873. b Local extent - It extends to the whole of India. Note - The Act has been extended to the State of Sikkim vide Ministry of Home Affairs Notification No. F.11013 1 82-SKM dated 22.7.1983. 2. Act not to apply to deposits in Anchal Savings Bank - This Act shall not apply to any deposits made in the Anchal Savings Bank of the State of Travancore Cochin and notwithstanding anything contained in this Act any law in force in the said State immediately before the commencement of the Part B States Law Act 1951 3 of 1951 relating to such deposits shall continue to apply thereto as if that law had not been repealed. 3. Interpretation clause - In this Act a Depositor means a person