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Maha Saraswati Scheme
| Particular | Details |
|---|---|
| Eligibililty | Minor / Student aged 6 months and above
|
| Monthly Deposit | Minimum of Rs. 100/- and in multiple of Rs.100/- thereafter |
| Period | Minimum 36 months & Maximum 120 months |
| Rate of Interest | The scheme shall carry rate of interest as that of regular term deposit scheme. As this scheme is a variant of Recurring Deposit, TDS as per rule will be applicable to Mahasaraswati Scheme also |
| Additional Features |
|
| Maturity of Deposit | The deposit amount is repayable on the date of maturity i.e. when the agreed period is over or one month after the credit of last installment which ever is later, along with the interest. |
| Premature Withdrawal | Premature withdrawals may be allowed as per regular term deposit scheme, and per rules. |
Penalty for Non Payment / Late Payment of Installment :
The penalty for late payment of a Mahasaraswati Installment will be as per Central Office guidelines in force for Recurring Deposits will be recovered from the maturity proceeds at the time of closing the account. This penalty amount will be credited to P/L Interest General.
Closing of Mahasaraswati Account:
The Mahasaraswati Account can be closed on maturity by payment of the maturity value to the account holder. In case of his/her death the amount will be paid to the legal heirs and / or nominee subject to the other formalities that are required under settlement/ payment of claims.
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