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Thursday, March 21, 2013

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மொத்த கணக்குகள்  மாநிலம் வாரியாக தரப்பட்டுள்ளYou are here: Home / News / Post Office Savings Schemes – Interest with effect from 01.04.2012

MINISTRY OF COMMUNICATIONS AND INFORMATION TECHNOLOGY
LOK SABHA
UNSTARRED  QUESTION NO 2694
ANSWERED ON   13.03.2013
SAVING FACILITIES IN POST OFFICES
2694 . Shri PARTAP SINGH BAJWA NISHIKANT DUBEY
Will the Minister of COMMUNICATIONS AND INFORMATION TECHNOLOGY  be pleased to state:-
(a) whether postal savings facilities are available in all the post offices functioning in the country including rural areas;
(b) if so, the details thereof, State-wise and if not, the steps taken by the Government to make such facilities available in all post offices;
(c) the comparative details of postal saving accounts and the amounts deposited respectively in rural and urban post offices, State-wise; and
(d) the measures being adopted by the Government for promoting postal savings in the rural areas?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF COMMUNICATIONS AND INFORMATION TECHNOLOGY (DR. (SMT.) KILLI KRUPARANI)
(a) Madam, as on 31.3.2012, out of 153,218 post offices functioning in the country including rural areas, postal savings facilities are available in 153182 post offices.
(b) State-wise detail of total number of post offices and number of post offices in which postal savings facilities are available may be seen in the attached Annexure-A.
A very few post offices where these facilities are not available were opened for the specific purpose of mail operations, and savings facilities are available in the nearby post offices.
(c) The comparative State-wise details of Saving Bank accounts and amount deposited therein in rural and urban post offices as on 31.3.2012 may be seen in the attached Annexure-B.
(d) Central and State Governments take various measures from time to time to promote and popularise small saving scheme through print and electronic media as well as by holding melas, seminars, meetings and providing training to the various agencies involved. Following specific measures were taken in last two years to make the small saving schemes more attractive:-
1. The rate of interest on Post Office Savings Account (POSA) has been increased from 3.5% to 4%. The ceiling of maximum balance in POSA 1 lakh in single account and 2 lakh in joint account has been removed.
2. The maturity period for Monthly Income Scheme (MIS) and National Savings Certificate (NSC) has been reduced from 6 years to 5 years.
3. A new NSC instrument, with maturity period of 10 years, has been introduced.
4. The annual ceiling on investment under Public Provident Fund (PPF) Scheme has been increased from Rs. 70,000 to Rs. 1 lakh.
5. Liquidity of Post Office Time Deposit (POTD) – 1, 2, 3 & 5 years – has been improved by allowing pre-mature withdrawal at a rate of interest 1% less than the time deposits of comparable maturity. For pre-mature withdrawals between 6-12 months of investment,Post Office Savings Account (POSA) rate of interest has been allowed.
6. The rate of interest on Small Savings Schemes has been aligned with Government-Security rates of similar maturity with a spread of 25 basis points (bps) in all schemes except 10 Years National Savings Certificates (IX-Issue) and Sr. Citizens Savings Scheme where the spread of 50 bps and 100 bps has been given respectively (100 bps are equal to 1%). Interest rate for every financial year will now be notified before 1st April of that year. The Interest Rates of Small Savings Schemes notified from 1.4.2012 are given below:-

RATE OF INTEREST IN VARIOUS POST OFFICE SAVINGS SCHEMES WITH EFFECT FROM 01.04.2012

Type of Savings% of Interest
Savings Account Deposit4.0
1 year Time Deposit8.2
2 year Time Deposit8.3
3 year Time Deposit8.4
5 year Time Deposit8.5
5 year Recurring Deposit8.4
5 year Sr. Citizens Savings Scheme9.3
5 year Monthly Income Accounts8.5
5 year National Savings Certificates(VIII-Issue)8.6
10 year National Savings Certificates(IX-Issue)8.9
Public Provident Fund8.8

LOK SABHA ANNEXRED UNSTARRED QUESTION NO. 2694 DATED 13.03.2013
Annexure-A
Sl. No
Name of Postal Circle
Name of State
 Total No.
of Post
offices
  No. of Post
offices offering
POSB facilities
1
ANDHRA PRADESH
ANDHRA PRADESH
15973
15973
2
ASSAM
ASSAM
4013
4013
3
BIHAR
BIHAR
8935
8933
4
CHATTISGARH
CHATTISGARH
3144
3143
5
DELHI
DELHI
545
542
6
GUJARAT
GUJARAT
8979
8976
7
HARYANA
HARYANA
2261
2261
8
HIMACHAL PRADESH
HIMACHAL PRADESH
2778
2778
9
JAMMU & KASHMIR
JAMMU & KASHMIR
1691
1691
10
JHARKHAND
JHARKHAND
3096
3096
11
KARNATAKA
KARNATAKA
9679
9679
12
KERALA
KERALA
5067
5066
13
MADHYA PRADESH
MADHYA PRADESH
8314
8314
14
MAHARASHTRA
MAHARASHTRA
12566
12552
GOA
258
258
15
NORTH EAST
TRIPURA
708
708
NAGALAND
328
328
MIZORAM
389
389
ARUNACHAL PRADESH
299
299
MEGHALAYA
490
490
MANIPUR
698
698
16
ORISSA
ORISSA
8163
8163
17
PUNJAB
PUNJAB
4017
4017
18
RAJASTHAN
RAJASTHAN
10324
10323
19
TAMIL NADU
TAMIL NADU
10996
10996
20
UTTAR PRADESH
UTTAR PRADESH
17726
17726
21
UTTARAKHAND
UTTARAKHAND
2719
2708
22
WEST BENGAL
WEST BENGAL
8853
8853
SIKKIM
209
209
TOTAL
153218
153182

 Annexure-B
Sl. No
Name of Postal Circle
Name of State
No. of Saving Bankaccounts in rural Post office as on 31.03.2012
Amount deposited in Saving Bankaccounts in rural Post offices as on 31.03.2012 (Rs in Crores)
No. of Saving Bankaccounts in urban Post office as on 31.03.2012
Amount deposited in Saving Bankaccounts in urban Post offices as on 31.03.2012 (Rs in Crores)
1
ANDHRA PRADESH
ANDHRA PRADESH
13989142
7435.66
9855166
104842.35
2
ASSAM
ASSAM
3219050
2263.17
1394203
238.16
3
BIHAR
BIHAR
10219205
4864.53
8397841
4907.86
4
CHATTISGARH
CHATTISGARH
936908
236.24
970478
234.51
5
DELHI
DELHI
76723
16.42
2196170
10578.84
6
GUJARAT
GUJARAT
4014871
2263.61
4001109
4693.18
7
HARYANA
HARYANA
821403
323.31
912620
405.67
8
HIMACHAL PRADESH
HIMACHAL PRADESH
2204659
375.41
1845869
5457.13
9
JAMMU & KASHMIR
JAMMU & KASHMIR
606301
1025.62
669035
1163.28
10
JHARKHAND
JHARKHAND
2899401
1278.32
1710090
1957.87
11
KARNATAKA
KARNATAKA
6572471
3903.52
5935323
8195.53
12
KERALA
KERALA
7632974
5170.79
3297510
3060.86
13
MADHYA PRADESH
MADHYA PRADESH
8805181
3126.94
7734496
23350.95
14
MAHARASHTRA
MAHARASHTRA
11040582
6933.72
12685699
26050.38
GOA
225416
533.50
171088
949.39
15
NORTH EAST
TRIPURA
319769
280.51
240607
309.49
NAGALAND
5870
0.06
59151
4.20
MIZORAM
44399
52.00
123615
101.00
ARUNACHAL PRADESH
64866
101.20
52469
171.40
MEGHALAYA
112467
108.24
114736
342.89
MANIPUR
126982
2.00
226983
4.74
16
ORISSA
ORISSA
5183894
2423.91
1960282
2256.23
17
PUNJAB
PUNJAB
1993510
5558.03
3498973
22634.48
18
RAJASTHAN
RAJASTHAN
8199279
3840.21
5193228
4692.45
19
TAMIL NADU
TAMIL NADU
8392324
6624.51
20954925
8856.40
20
UTTAR PRADESH
UTTAR PRADESH
9376005
14140.15
8229491
6285.27
21
UTTARAKHAND
UTTARAKHAND
1718049
459.32
1427152
462.26
22
WEST BENGAL
WEST BENGAL
14029430
42464.36
6012612
22865.42
SIKKIM
46716
50.40
20021
27.14
TOTAL
122877847
115855.66
109890942
265099.33
Source :1. http://loksabha.nic.in 

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