Post office savings account charges: Post office schemes are a means of safe investment and guaranteed returns. In this, people of all age / income groups can invest in schemes available for savings and investment.
You can also open a savings account with the post office. On this, you get exactly the same facilities as a bank account. This account can be opened by any adult or minor person. There is no limit to deposit money in this and you also get tax rebate up to Rs 10,000 on this. You get 4% interest per annum on this account. You have to pay far less charges on the facilities of Post Office Savings Account as compared to any bank account.
Post Office Savings Account Charges
Like any bank account, you also have to pay some charges on it. There are many facilities like maintenance, withdrawal, on which you have to pay a charge. We are going to tell you the same here.
1. There should be a minimum of Rs 500 in your post office savings account. If the amount falls below this limit and remains below this limit by the end of the financial year, a maintenance fee of Rs 50 will be deducted. If there is no money in your account at all, then it will be canceled automatically.
2. You have to pay Rs 50 for getting a duplicate passbook issued.
3. 20-20 rupees have to be paid for issuing account statement or deposit receipt.
4. On getting the passbook issued in the direction of loss or damage to the certificate, Rs 10 has to be paid on every registration.
5. It takes 100-100 rupees for account transfer and for pledging the account.
6. It costs Rs.50 to change or cancel the name of the nominee.
7. You have to pay a charge of Rs 100 for misuse of cheque.
8. In a year, you can use 10 leaves of the check book without any charge, and after that there is a charge of Rs 2 for each leaf.
What are the facilities available on post office account?
So that you can take advantage of the facilities related to your account, make full use of them, for this you also get many additional facilities on it.
– Checkbook
– ATM Card
– Ebanking/Mobile Banking
– Aadhaar Linking
– Atal Pension Yojana
– Pradhan Mantri Suraksha Bima Yojana
– Pradhan Mantri Jeevan Jyoti Bima Yojana
