Scheme Period Rate of Interest(%)

SB 01.04.2003 TO 30.11.2011 3.5

SB 01.12.2011 TO Till date 4

The undersigned is directed to say that after issue of SB Order No. 29i20ll dated
Z4.ll .2011, this office has been receiving number of references on admissibility of commission on
deposits in PO'|D account to GDSBPMS. In this regard, it is clarificd that there is no change in the
commission structure for GDSBPMs circulated vide this o{fice letter No. 48-2l88-SB dated 21 .02. 1989
The rate of commission to be paid to the GDSBPMs on opening of new 112/315 year TD accounts subject
to the condition that accounts are opened directly at EDBO and not through any authorized agent are
given below:-
Sl. No type of account Rate of Commission
1 Iyr TD 0.50%
2 2/3 yr TD 1%
3 5yr TD 2%
2. It is also reiterated that no commission is payable on TD re-deposits made under Rule 6(3) ol
POTD Rules 1981 with retrospective date.
Scheme Period Rate of Interest(%)

SSA 01.02.2014 to 31.03.2015 9.1 Nov-15

SSA 01.04.2015 to 31.03.2016 9.2 Dec-15
SSA 01.04.2016 TO 30.09.2016 8.6 Jan-16
SSA 01.10.2016 TO 31.03.2017 8.5 Feb-16
SSA 01.04.2017 TO 30.06.2017 8.4 Mar-16
SSA 01.07.2017 TO 31.12.2017 8.3 0
SSA 01.01.2018 to 30.09.2018 8.1 P.Int 0
SSA 01.10.2018 to 31.12.2018 8.5 Apr-16
May-16
Jun-16
Jul-16
Aug-16
Sep-16
0
P.Int 0
Oct-16
Nov-16
Dec-16
Jan-17
Feb-17
Mar-17
0
P.Int 0

Total Interest 0
 Apr-17
May-17
Jun-17
0
P.Int 0

Jul-17
Aug-17

0
P.Int 0
Scheme Period Rate of Interest(%)

RD 01.04.2003 to 30.11.2011 7.5

RD 01.12.2011 to 31.03.2012 8.2
RD 01.04.2012 to 31.03.2013 8.4
RD 01.04.2013 to 31.03.2014 8.3
RD 01.04.2014 to 31.03.2016 8.4
RD 01.04.2016 to 30.09.2016 7.4
RD 01.10.2016 to 31.03.2017 7.3
RD 01.04.2017 TO 30.06.2017 7.2
RD 01.07.2017 TO 31.12.2017 7.1
RD 01.01.2018 to 30.09.2018 6.9
RD 01.10.2018 to 31.12.2018 7.3
 Bonus Discount(%) Discount(%)
Scheme Period Denomination Min Max/Single Joint A/B Rate of Interest(%) (%) (1yr to 2yr) (3yr to 5yr)
MIS 24.04.1992 to 31.05.1993 5000 5000 100000 200000 14 10 5
MIS 01.06.1993 to 01.09.1993 6000 6000 102000 204000 14 10 5
MIS 02.09.1993 to 31.12.1998 6000 6000 102000 204000 13 10 5
MIS 01.01.1999 to 14.01.2000 6000 6000 204000 408000 12 10 5
MIS 15.01.2000 to 17.07.2000 6000 6000 300000 600000 12 10 5
MIS 18.07.2000 to 28.02.2001 1000 1000 300000 600000 11 10 3.5
MIS 01.03.2001 to 28.02.2002 1000 1000 300000 600000 9.5 10 3.5 1
MIS 01.03.2002 to 28.02.2003 1000 1000 300000 600000 9 10 3.5 1
MIS 01.03.2003 to 22.09.2003 1000 1000 300000 600000 8 10 2.5 1
MIS 23.09.2003 to 12.02.2006 1000 1000 300000 600000 8 10 2 1
MIS 13.02.2006 to 22.08.2007 1000 1000 300000 600000 8 0 2 1
MIS 23.08.2007 to 07.12.2007 1500 1500 450000 900000 8 0 2 1
MIS 08.12.2007 to 30.11.2011 1500 1500 450000 900000 8 5 2 1
MIS 01.12.2011 to 31.03.2012 1500 1500 450000 900000 8.2 0 2 1
MIS 01.04.2012 to 31.03.2013 1500 1500 450000 900000 8.5 0 2 1
MIS 01.04.2013 to 31.03.2016 1500 1500 450000 900000 8.4 0 2 1
MIS 01.04.2016 to 30.09.2016 1500 1500 450000 900000 7.8 0 2 1
MIS 01.10.2016 TO 31.03.2017 1500 1500 450000 900000 7.7 0 2 1
MIS 01.04.2017 TO 30.06.2017 1500 1500 450000 900000 7.6 0 2 1
MIS 01.07.2017 TO 31.12.2017 1500 1500 450000 900000 7.5 0 2 1
MIS 01.01.2018 to 30.09.2018 1500 1500 450000 900000 7.3 0 2 1
MIS 01.10.2018 to 31.12.2018 1000 1500 450000 900000 7.7 0 2 1
Period: 01.03.2003 to 30.11.2011

Iyear TD IIyear TD IIIyear TD 5year TD

Int rate: 6.25% Int rate: 6.5% Int rate: 7.25% Int rate: 7.5%

Princple 3000 13000 5000 5000

Yearly
Interest 192 866 372 386

Period: 01.12.2011 to 31.03.2012

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.7% Int rate: 7.8% Int rate: 8% Int rate: 8.3%

Princple 30000 6000 14000 5000

Yearly
Interest 2378 482 1154 428

Period: 01.04.2012 to 31.03.2013

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.2% Int rate: 8.3% Int rate: 8.4% Int rate: 8.5%

Princple 10000 12000 3000 3000

Yearly
Interest 846 1027 260 263

Period: 01.04.2013 to 31.03.2014

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.2% Int rate: 8.2% Int rate: 8.3% Int rate: 8.4%

Princple 100000 20000 20000 10000

Yearly
Interest 8456 1691 1712 867

Period: 01.04.2014 to 31.03.2016

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.4% Int rate: 8.4% Int rate: 8.4% Int rate: 8.5%
Princple 60000 300000 10000 5000

Yearly
Interest 5201 26005 867 439

Period: 01.04.2016 to 30.09.2016

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.1% Int rate: 7.2% Int rate: 7.4% Int rate: 7.9%

Princple 100000 300000 100000 40000

Yearly
Interest 7291 22190 7608 3255

Period: 01.10.2016 to 31.03.2017

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.0% Int rate: 7.1% Int rate: 7.3% Int rate: 7.8%

Princple 30000 100000 30000 100000

Yearly
Interest 2156 7291 2251 8031

Period: 01.04.2017 to 30.06.2017

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.9% Int rate: 7.0% Int rate: 7.2% Int rate: 7.7%

Princple 100000 100000 100000 100000

Yearly
Interest 7081 7186 7397 7925

Period: 01.07.2017 to 31.12.2017

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.8% Int rate: 6.9% Int rate: 7.1% Int rate: 7.6%

Princple 434000 100000 100000 40000

Yearly
Interest 30273 7081 7291 3128

Period: 01.01.2018 to 30.09.2018

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.6% Int rate: 6.7% Int rate: 6.9% Int rate: 7.4%

Princple 300000 300000 300000 100000

Yearly
Interest 20295 20611 21242 7608

Period: 01.10.2018
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.9% Int rate: 7.0% Int rate: 7.2% Int rate: 7.8%

Princple 1000000 100000 100000 100000

Yearly
Interest 70806 7186 7397 8031

Period: 01.01.2019
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7% Int rate: 7.0% Int rate: 7% Int rate: 7.8%

Princple 1000000 100000 100000 100000

Yearly
Interest 71859 7186 7186 8031
Period: 01.03.2003 to 30.11.2011

Iyear TD IIyear TD IIIyear TD 5year TD

Int rate: 6.25% Int rate: 6.5% Int rate: 7.25% Int rate: 7.5%

Princple 3000 13000 5000 5000

1st Q 46.875 211.25 90.625 93.75

2nd Q 47.607421875 214.6828125 92.267578125 95.5078125
3rd Q 48.351287842 218.1714082 93.9399279785 97.2985839844
4th Q 49.106776714 221.71669359 95.6425891731 99.1229324341

Yearly
Interest 192 866 372 386

Period: 01.12.2011 to 31.03.2012

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.7% Int rate: 7.8% Int rate: 8% Int rate: 8.3%

Princple 30000 6000 14000 5000

1st Q 577.5 117 280 103.75

2nd Q 588.616875 119.2815 285.6 105.9028125
3rd Q 599.94774984 121.60748925 291.312 108.1002958594
4th Q 611.49674403 123.97883529 297.13824 110.3433769985

Yearly
Interest 2378 482 1154 428

Period: 01.04.2012 to 31.03.2013

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.2% Int rate: 8.3% Int rate: 8.4% Int rate: 8.5%

Princple 10000 12000 3000 3000

1st Q 205 249 63 63.75

2nd Q 209.2025 254.16675 64.323 65.1046875
3rd Q 213.49115125 259.44071006 65.673783 66.4881621094
4th Q 217.86771985 264.8241048 67.052932443 67.9010355542

Yearly
Interest 846 1027 260 263
Period: 01.04.2013 to 31.03.2014
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.2% Int rate: 8.2% Int rate: 8.3% Int rate: 8.4%

Princple 100000 20000 20000 10000

1st Q 2050 410 415 210

2nd Q 2092.025 418.405 423.61125 214.41
3rd Q 2134.9115125 426.9823025 432.4011834375 218.91261
4th Q 2178.6771985 435.7354397 441.3735079938 223.50977481

Yearly
Interest 8456 1691 1712 867

Period: 01.04.2014 to 31.03.2016

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 8.4% Int rate: 8.4% Int rate: 8.4% Int rate: 8.5%

Princple 60000 100000 10000 5000

1st Q 1260 2100 210 106.25

2nd Q 1286.46 2144.1 214.41 108.5078125
3rd Q 1313.47566 2189.1261 218.91261 110.8136035156
4th Q 1341.0586489 2235.0977481 223.50977481 113.1683925903

Yearly
Interest 5201 8668 867 439

Period: 01.04.2016 to 30.09.2016

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.1% Int rate: 7.2% Int rate: 7.4% Int rate: 7.9%

Princple 100000 100000 100000 100000

1st Q 1775 1800 1850 1975

2nd Q 1806.50625 1832.4 1884.225 2014.00625
3rd Q 1838.5717359 1865.3832 1919.0831625 2053.7828734375
4th Q 1871.2063843 1898.9600976 1954.5862010063 2094.3450851879

Yearly
Interest 7291 7397 7608 8137
Period: 01.10.2016 to 31.03.2017
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 7.0% Int rate: 7.1% Int rate: 7.3% Int rate: 7.8%

Princple 30000 100000 30000 100000

1st Q 525 1775 547.5 1950

2nd Q 534.1875 1806.50625 557.491875 1988.025
3rd Q 543.53578125 1838.5717359 567.6661017188 2026.7914875
4th Q 553.04765742 1871.2063843 578.0260080751 2066.3139215063

Yearly
Interest 2156 7291 2251 8031

Period: 01.04.2017 to 30.06.2017

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.9% Int rate: 7.0% Int rate: 7.2% Int rate: 7.7%

Princple 100000 100000 100000 100000

1st Q 1725 1750 1800 1925

2nd Q 1754.75625 1780.625 1832.4 1962.05625
3rd Q 1785.0257953 1811.7859375 1865.3832 1999.8258328125
4th Q 1815.8174903 1843.4921914 1898.9600976 2038.3224800941

Yearly
Interest 7081 7186 7397 7925

Period: 01.07.2017 to 31.12.2017

Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.8% Int rate: 6.9% Int rate: 7.1% Int rate: 7.6%

Princple 100000 100000 100000 100000

1st Q 1700 1725 1775 1900

2nd Q 1728.9 1754.75625 1806.50625 1936.1
3rd Q 1758.2913 1785.0257953 1838.5717359375 1972.8859
4th Q 1788.1822521 1815.8174903 1871.2063842504 2010.3707321

Yearly
Interest 6975 7081 7291 7819
Period: 01.01.2018 to 30.09.2018
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.6% Int rate: 6.7% Int rate: 6.9% Int rate: 7.4%

Princple 100000 100000 100000 100000

1st Q 1650 1675 1725 1850

2nd Q 1677.225 1703.05625 1754.75625 1884.225
3rd Q 1704.8992125 1731.5824422 1785.0257953125 1919.0831625
4th Q 1733.0300495 1760.5864481 1815.8174902816 1954.5862010063

Yearly
Interest 6765 6870 7081 7608

Period: 01.10.2018
Iyear TD IIyear TD IIIyear TD 5year TD
Int rate: 6.9% Int rate: 7.0% Int rate: 7.2% Int rate: 7.8%

Princple 100000 100000 100000 100000

1st Q 1725 1750 1800 1950

2nd Q 1754.75625 1780.625 1832.4 1988.025
3rd Q 1785.0257953 1811.7859375 1865.3832 2026.7914875
4th Q 1815.8174903 1843.4921914 1898.9600976 2066.3139215063

Yearly
Interest 7081 7186 7397 8031
Scheme Period Rate of Interest(%)

PPF 01.03.2003 to 30.11.2011 8.0

PPF 01.12.2011 to 31.03.2012 8.6
PPF 01.04.2012 to 31.03.2013 8.8
PPF 01.04.2013 to 31.03.2016 8.7
PPF 01.04.2016 to 30.09.2016 8.1
PPF 01.10.2016 to 31.03.2017 8.0
PPF 01.04.2017 TO 30.06.2017 7.9
PPF 01.07.2017 TO 31.12.2017 7.8
PPF 01.01.2018 to 30.09.2018 7.6
PPF 01.10.2018 to 8.0
Scheme Period Denomination Min Max/Single Rate of Interest(%)

SCSS 02.08.2004 to 31.03.2012 1000 1000 1500000 9.0

SCSS 01.04.2012 to 31.03.2013 1000 1000 1500000 9.3
SCSS 01.04.2013 to 31.03.2015 1000 1000 1500000 9.2
SCSS 01.04.2015 to 31.03.2016 1000 1000 1500000 9.3
SCSS 01.04.2016 TO 30.09.2016 1000 1000 1500000 8.6
SCSS 01.10.2016 TO 31.03.2017 1000 1000 1500000 8.5
SCSS 01.04.2017 TO 30.06.2017 1000 1000 1500000 8.4
SCSS 01.07.2017 TO 30.09.2018 1000 1000 1500000 8.3
SCSS 01.10.2018 to 31.12.2018 1000 1000 1500000 8.7
Discount(%) Discount(%)
(1yr to 2yr) (3yr to 5yr)

1.5 1
1.5 1
1.5 1
1.5 1
1.5 1
1.5 1
1.5 1
1.5 1
1.5 1
 Scheme Period Rate of Interest(%)

NSS 87,92 01.03.2003 TO Till date 7.5

Scheme Period Rate of Interest(%) 10th NSC

5 NSC 01.03.2003 to 30.11.2011

5 NSC 01.12.2011 to 31.03.2012 8.4 8.7
5 NSC 01.04.2012 to 31.03.2013 8.6 8.9
5 NSC 01.04.2013 to 31.03.2016 8.5 8.8
5 NSC 01.04.2016 to 30.09.2016 8.1
5 NSC 01.10.2016 to 31.03.2017 8.0
5 NSC 01.04.2017 TO 30.06.2017 7.9
5 NSC 01.07.2017 TO 31.12.2017 7.8
5 NSC 01.01.2018 to 30.09.2018 7.6
5 NSC 01.10.2018 to 8.0
Scheme Period Rate of Interest(%) Mature in Months

KVP 01.03.2003 TO 30.11.2011 8.0

KVP 01.04.2014 to 31.03.2016 8.7

KVP 01.04.2016 TO 30.09.2016 7.8 110
KVP 01.10.2016 TO 31.03.2017 7.7 112
KVP 01.04.2017 TO 30.06.2017 7.6 113
KVP 01.01.2017 TO 31.12.2017 7.5 115
KVP 01.01.2018 to 30.09.2018 7.3 118
KVP 01.10.2018 to 31.12.2018 7.7 112