NATIONAL SAVINGS CERTIFICATE (VIII ISSUE)

· Interest 8 % p.a. Compounded half yearly and payable at Maturity.

· Certificates can be purchased by an adult for himself or on behalf of a minor, jointly by two adults, a minor and a Trust, and can be encashed on maturity at any Post Office, of your choice.

· Investment qualifies for I.T. rebate u/s 80-C of I.T. Act.

· Interest upto Rs.9,000/- per annum is exempt u/s 80-L of I.T. Act.

· Annually accrued interest for 5 years also qualifies for I.T. rebate u/s.80-C of I.T. Act.

· Lock in period 6 years (Rs. 100/- grows to Rs.160.10).

· Premature encashment after 3 years available as per recent amendment. Please verify with the nearest Post Office.

· Minimum : Rs.100/- * No Maximum limit.

· Denominations : Rs.100/-, Rs.500/-, Rs.1,000/-, Rs.5,000/- and Rs.10,000/-.

· No Tax deduction at source.

Certificates Purchased	From 01-01-1999 To 14-01-2000	From 15-01-2000 To 28-02-2001	From 01-03-2001 To 28-02-2002	From 01-03-2002To28.02.2003	From01.03.2003
1st Year	118.30	113.00	97.20	92.00	Rs. 81.60
2nd Year	132.30	125.80	106.70	100.50	Rs. 88.30
3rd Year	148.00	140.00	117.10	109.70	Rs. 95.50
4th Year	165.00	155.80	128.50	119.80	Rs. 103.30

5th Year	185.10	173.50	141.00	130.90	Rs.111.70
6th Year	206.90	193.10	154.70	142.90	Rs.120.80

KVP / NSC1992 / P.O.MIS / PPF / P.O.T.D / P.O.R.D / P.O.S.B / N.S.C. VIII ISSUE / SENIOR CITIZEN SAVINGS SCHEME-2004 /