SAVINGS INTEREST PAYMENT

GmwWwmi m‡qi jvf cÖ`vb e¨e¯’vcbv (Savings Interest Payment Management of SDC)-

1. m‡qi jvf  cÖ`vb (Savings Interest Payment)-

GmwWwmi Avw_©K bxwZgvjv Abymv‡i ms¯’vi mKj wbqwgZ mÂqx m`m¨‡K Zv‡`i RgvK…Z m‡qi Dci jvf cÖ`vb Kiv n‡e| GgAviG wewagvjv Abyhvqx GmwWwm Zvi wbqwgZ m`m¨‡`i mKj ai‡bi ¯’vqx I A¯’vqx m‡qi Dci lvb¥vwmK wnmv‡e eQ‡i `yB `dvq m‡qi jvf cÖ`vb Ki‡e|

2. m‡qi jvf  cÖ`v‡bi mvavib wbqg (General Rules of Savings Interest Payment)-

1. GmwWwm Zvi wbqwgZ m`m¨‡`i mKj ai‡bi ¯’vqx I A¯’vqx m‡qi Dci lvb¥vwmK wnmv‡e eQ‡i `yB `dvq m‡qi jvf cÖ`vb Ki‡e|

2. ‡h mKj m`m¨ GKUvbv 3 wZb gvm †Kvb mÂq Rgv w`‡ebv Zvi m`m¨c` evwZj n‡e Ges †m mKj m`m¨ †Kvb m‡qi jvf cv‡ebv|

3. mvavib m‡qi jvf cÖ`v‡bi Rb¨ m`m¨ wfwËK wnmve Ki‡Z n‡e| (mdUIq¨vi Abyhvqx)

4. GgwfGm Ges Uvg© wW‡cvwR‡Ui †ÿ‡Î Mo mÂqw¯’wZi wecix‡Z mwÂwZ Ki‡Z n‡e|

3. m‡qi jv‡fi nvi (Rate of Savings Interest)-

GmwWwm Zvi mKj mÂqx m`m¨‡`i wb‡Pi ewb©Z LvZ I nvi Abyhvqx m‡qi jvf cÖ`vb Ki‡e|

µg	m‡qi LvZ	evrmwiK jv‡fi nvi
1	mvavib mÂq	6
2	GgwfGm	8
3	‡gqv`x mÂq	8

4. m‡qi jvf cÖ`v‡bi †gqv` I mgqmxgv (Duration & Period)-

GmwWwm wb‡Pi ewb©Z `dv, †gqv` I mgqmxgvi wfwˇZ m‡qi jvf wnmve I cÖ`vb Ki‡e|

`dv	‡gqv`	mgqmxgv
1g	6 gvm	1jv RyjvB n‡Z 31†k wW‡m¤^i
2q	6 gvm	1jv Rvbyqvix n‡Z 30†k Ryb

5. m‡qi jvf wnmve c×wZ (Interest Calculation Method)-

GmwWwm wb‡Pi ewb©Z c×wZ‡Z m‡qi jvf wnmve I cÖ`vb Ki‡e|

m‡qi LvZ	jvf wnmve/wbb©q c×wZ	lvb¥vwmK my‡`i nvi	Rvbv©j fvDPvi
mvavib mÂq	1g `dv- RyjvB gv‡mi AvMZ mÂqw¯’wZ + wW‡m¤^i gv‡mi mgvcwb mÂqw¯’wZ /2*3% 2q `dv- Rvbyqvix gv‡mi  AvMZ mÂqw¯’wZ + Ryb gv‡mi mgvcwb mÂqw¯’wZ /2*3%	3%	Savings Interest A/C Dr Savings Collection A/C Cr
GgwfGm	1g `dv- RyjvB gv‡mi AvMZ mÂqw¯’wZ + wW‡m¤^i gv‡mi mgvcwb mÂqw¯’wZ /2*4% 2q `dv- Rvbyqvix gv‡mi  AvMZ mÂqw¯’wZ + Ryb gv‡mi mgvcwb mÂqw¯’wZ /2*4%	4%	MVS Interest A/C Dr Provision A/C Cr
‡gqv`x mÂq	1g `dv- RyjvB gv‡mi AvMZ mÂqw¯’wZ + wW‡m¤^i gv‡mi mgvcwb mÂqw¯’wZ /2*4% 2q `dv- Rvbyqvix gv‡mi  AvMZ mÂqw¯’wZ + Ryb gv‡mi mgvcwb mÂqw¯’wZ /2*4%	4%	TD Interest A/C Dr Provision A/C Cr

D`vnib-GmwWwmi wnmve iÿKMb m`m¨‡`i m‡qi jvf cÖ`v‡bi †ÿ‡Î wb‡Pi wb‡`©kbv Abymib Ki‡e| wb‡Pi bgybvq †Kvb kvLvi 1g lvb¥vwmK my` cÖ`vb wnmve †`Lv‡bv n‡jv| 2q lvb¥v‡mi ‡ÿ‡ÎI GKB wnmve cÖ‡hvR¨, ïaygvÎ gvm cwieZ©b n‡e (1jv Rvbyqvix n‡Z Ryb mgvcwb)-

m‡qi LvZ	weMZ Ryb mgvcwb/RyjvB gv‡mi AvMZ mÂqw¯’wZ	wW‡m¤^i mgvcwb mÂqw¯’wZ	†gvU mÂqw¯’wZ	Mo mÂqw¯’wZ	lvb¥vwmK my‡`i nvi	cÖ‡`q my‡`i cwigvb
	1	2	3 = 1+2	4 = 3/2	5	6 = 6*5
mvavib mÂq	4235000	6388000	10623000	5311500	3%	159345
GgwfGm	4235000	6388000	10623000	5311500	4%	212460
‡gqv`x mÂq	4235000	6388000	10623000	5311500	4%	212460

wet `ªt- GgwfGm Ges Uvg© wW‡cvwR‡Ui †ÿ‡Î m`m¨wfwËK wnmve n‡e bv| wnmve Kivi ci cÖ‡`q my‡`i cwigvb (212460) UvKvi Rvb©vj fvDPvi Gw›Uª w`‡Z n‡e|