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100 Rupees Post Office 12 Year National Savings Certificate
| Issuer | Government of India - Post Office |
|---|---|
| Year | 1944 |
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| Size | 165 x 85 mm |
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| Obverse description | Purple letterpress certificate on cream paper, with the Ashoka Lion Capital emblem at top centre flanked by guilloche side panels bearing denomination numerals. The main body contains printed contract text in English with manuscript completion fields for the holder's name, issuing post office, date, and register number. A circular date stamp is applied at centre. |
|---|---|
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| Reverse lettering | 1949 ISSUE 12 Year certificate RECEIPT ON DISCHARGE. Amount to be invested Rs. 100-0-0 If payment is claimed after 1½ complete years .. Rs. 101-4-0 .. 2 .. .. .. 102-8-0 .. 3 .. .. .. 105-0-0 .. 4 .. .. .. 110-0-0 .. 5 .. .. .. 115-0-0 .. 6 .. .. .. 120-0-0 .. 7 .. .. .. 125-0-0 .. 8 .. .. .. 130-0-0 .. 9 .. .. .. 135-0-0 .. 10 .. .. .. 140-0-0 .. 11 .. .. .. 145-0-0 .. 12 .. .. .. 150-0-0 (NOT ENCASHABLE TILL END OF 18 MONTHS) Received payment of Rs. and figures p. in words Signature(s) or thumb impression(s) of holder(s). Date Note. The holder(s) is/are recommended to keep a note of the serial No. and date of issue of this certificate and to notify immediately the post office in which the certificate is registered, in the event of the certificate being lost. ISSUED UNDER THE TERMS OF THE MINISTRY OF FINANCE NOTIFICATION No. D. 8024-PT/44 DATED THE 9th DECEMBER 1944 AS AMENDED FROM TIME TO TIME. |
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| Comments |
National Savings Certificates were a wartime fiscal instrument — the 1944 series was issued under the pressure of financing the British Indian war effort while simultaneously managing an economy still traumatized by the Bengal famine of the previous year. The Post Office distribution network was deliberately chosen over bank branches to reach rural savers who had no relationship with formal banking.
The 12-year maturity term on this certificate reflects the government's need for long-dated, stable capital rather than short-term liquidity. Redemption would fall in 1956 — nine years into independent India's existence, under an entirely different sovereign.