Saturday, February 28, 2015

Error Free Sanchay Post 7.5 Patches 10.1 dated 28.02.2015

Installation Procedure of Sanchay Post Patch 7.5

Sanchay Post 7.5

Patches order:

1. Install Service Pack 1

2. Install Patch 5 dated 07-11-2014

3. Install Patch 6

4. Install Patch 8 dtd 20.11.2014

5. Install Patch 8.1 dated 03_Dec_2014

6.Install Patch 7 dated 23_09_2014

7. Install Patch 10 dated 21_Jan_2015

8. Install Patch 10.1 dtd 03_02_2015

9. RD Default and BO BAT & DLT issues

Note : Never apply Solution except RD default issues pdb

BO BAT, DLT and RD Default Issues Fixed in Sanchay Post 7.5

Sanchay Post 7.5 RD Default and BO BAT issues

Even we have upgraded Sanchay Post Patch Order wise upto Sanchay Post Patch 10.1, It does not shows the BAT and DLT in BO Transaction. It shows only for First BO transaction.

RD Default Issues

When we collect more than one default months (example Dec 2014 ,Jan 2015,Feb 2015),it will come as 1+1+1 default Rupees instead of 1+2+3 for  100 /-  Rs denomination after up gradation to 10.1


  • Before going to apply below solution kindly ensure that Sanchay Post Patches Upgraded upto Latest version of 10.1.
  • Ensure that those patches are installed orderwise.
  • Service Pack 1 and 2 should be upgraded.




  1. For BO and RD Default issues, SDC given solution as pbd file.
  2. It should be download from PoTools.
  3. Replace in SP5\OT Folder.

Friday, February 27, 2015

NSS 87 withdrawal procedure in DOP Finacle

  1. NSS 87 is a discontinued scheme in DOP i.e., for a discontinued scheme in general we don't accept any deposits(credit transactions). 
  2. For withdrawal in an NSS 87 account the eligibility criteria is 50% of preceding 4th financial year value from the current financial year and in between if any withdrawals have been taken then we have to less that amount i.e., whichever is less amount. 
  3. The maximum withdrawal eligibility for the customers 65 years and above (i.e., 15H customers) is 240000/-(two lakhs forty thousand only). 
  4. The maximum withdrawal eligibility for the customers below 65 years (i.e., 15G customers) is 160000/-(one lakh sixty thousand only) for Male customers and 190000/-(one lakh ninety thousand only) for Female customers as per the DOP SB orders. 
  5. Only 1 withdrawal is allowed per financial year. 
  6. If the amount of withdrawal is less than 2500/- then their will be no tax and if the amount is 2500/- and above then their will be 20% tax on the amount of withdrawal.If the customer provides 15G/15H then their will be no tax irrespective amount. 
  7. Mode of disbursement can be cash,cheque or SB transfer as per need. 

Step by Step Procedure in DOP Finacle 

There are two ways of disbursement of NSS 87 withdrawal amount in general in DOP finacle they are 
  • BY TRANSFER( Either Cheque or SB Transfer) 


  • NSS 87 withdrawal by Cash mode can be done by using the menu CTM but make sure if the customer presents 15G/15H then update the same in the account modification menu CASBAM and verify then only proceed with CTM 
  • Invoke the menu CASBAM and select the function as Modify then enter the account number as shown 

  • Then click on Submit and verify the same in the supervisor. 
  • Then in the next step invoke the menu CTM and select the function as Add and function type as Withdraw as shown 

  • Then click on Go then in the next screen and enter the account number and amount as shown in the figure 

Then click on Post and verify the same in the supervisor login. 

By Transfer Mode 

  • In order to disburse the NSS 87 withdrawal amount by using transfer mode either to SB account or postmaster account. 
  • Invoke the menu CXFER and select the function as Add and Transaction type as Customer Induced as shown 

  • Then click on GO then enter the Debit account id as NSS 87 account id ,Credit account id as postmaster account id or SB account id and amount as shown in the figure

Then click on Post then the system will generate the the transaction id note it and verify the same in the supervisor login.

Thursday, February 26, 2015

Income Tax(PLI RPLI Credit) certificate in McCamish

PLI  RPLI Credit certificate in McCamish

  • Login into McCamish using credentials.
  • Click on Policy Search button.
  • Enter PLI / RPLI Policy Number then click search.

  • Click on Income Tax certificate
  • then select Financial Year
  • Click on Submit to generate Income Tax Certificate.





Download McCAMISH Help Document for Counter / CPC Users



Download McCAMISH Intro Document



Wednesday, February 25, 2015

Solutions for BO CoD delivered in Postman abstract 7.9.2

BO COD Delivered information in Postman abstract

Postman : Revised v7.9.2 dated 13.02.2015


Delivered BO COD article was not reflected in COD Abstract even verification done and also day done in Supervisor .  

Abstract List shown


  • Download attached postman latest version dated 13.02.2015.
  • Replace with older version of Postman 7.9.2
  • Register all the dll in Postman Module installation folder.


Download Latest version
Thanks RABINARAYAN CHOUDHURY PA, Tikabali S.O-762010

Solution for eMO and e-Payment Communication

Issues in eMO and ePayment clients

eMO Communication Issues

 ePayment Communication issues


  1. Download attached script from PoTools.
  2. Execute at Once using MM Script Tool.


Thanks to RABINARAYAN CHOUDHURY , Tikabali S.O-762010

Tuesday, February 24, 2015

SBCO related Software Updates as on 23.02.2015

Full setup
Latest Exe only
CBS  - Utility
SBX  - Utility
 SBX.EXE, hpo_det.dbf stt_ext.dbf
SBCO Registers ( COREG)

1. Ssa_pos.dbf,  2. ssa.dbf
Consolidation Software ( CONS)
1. Ssa_pos.dbf,  2. ssa.dbf
Latest EXEs

Note :  Please copy the  Latest / updated Exe only to the concerned folder.If necessary copy to dbf file ..


Download the CBS.EXE and paste into existing C:\CBS\ folder

Download and extract the CBS.ZIP and paste in to you local hard Disk C:\  or any other drive and run the software thro CBS.BAT file

This is useful for this purposes

1. To view / Print list of Minus balance
2. Change the Account Status into CLS / TFR / NEW
3. Close all "0" Balance Account
4. Simple OB correction
5. To view / Print Closed account with Balance
6. To change the Account Status into Closed / TFR
7. To change all Minus into 0 balance by OB Corrections
8. To view / Print the Closed / Transferred Account Details

9. To Modify Transactions as bulk for a particular Period ( From - To Date )
10. Statistical Report , Quarterly Report, Summary Report, etc
( Copy stt_ext.dbf & hpo_det.dbf  already available  in c:\sbco\sb\ into c:\cbs\ folder  )
11. For  CBS offices we can enter the Total Deposit / Withdrawal / Debit / credit amount as single entry. ( Use Account No 1 for all transactions  ( For tallying Office wise Register SB63 / RD85, etc )
12. To find Total No of Accounts all Categories
Password : RAJA

Creation of Batch file

Go to Command Prompt

C:\> Edit filename.bat   ( for Eg CBS.BAT )

Type the folder name ,
Type the EXE name
Then Save the file

C:\>  Edit  CBS.BAT


C:\>  CBS      ( Enter to Continue )

Developed by
Dindigul Division, TN

If any suggestions, please mail to

Pension Calculator By Pravin Patil Updated on 24.02.2015

Excel utility for calculating retirement benefits for central government employees. With this utility one can know his retirement benefits i.e. Pension, Family Pension, Death cum Retirement Gratuity (DCRG), Commutation of Pension, EL Encashment etc.

Download : 

If any Suggestions, please mail to :

Monday, February 23, 2015

Solution for Articles despatched with wrong figure at despatch list

Despatch Module Issues with Despatch list article figure

In Meghdoot Despatch 7.9.2, total number of articles despatched is shows as doubled at despatch list 


  • Download attached script for despatch issues given by CEPT.
  • Execute once using Script Tool.


FMenu by SRFix dtd - 20.02.2015

Improved GUI

  • SOL ID configuration for Office Accounts.
  • Enlarged view of Help.
  • BO Transactions Help
  • Link to Finacle MIS
Please check and send your feedback to

Sukanya Samruddhi Account informative Banner & Calculator


Thank to Staff, Balisai SO email :
Shared via SAPost. 

Saturday, February 21, 2015

RD default fee issue after updating sanchay post patch 10, 10.1

RD  Default issue in Sanchay 7.5 patch 10.1

In Most of the office, When we collect more than one default months (example Dec 2014 ,Jan 2015,Feb 2015),it will come as 1+1+1 default Rupees instead of 1+2+3 for  100 /-  Rs denomination.

Solution :

  • Download the attached postrd1.pbd  & paste it  in OT folder by overwriting.


Thanks to P.Silambarasan DSM,Theni Division


Google Chrome Remote Desktop Latest version and its update

Chrome download Link

Google Remote Desktop Host file

Web Address for Remote Desktop

Thanks to Subramanya N Sa Shimoga

Windows XP / 2003 Boot Error NTOSKRNL.EXE Is Missing Or Corrupt

Windows Boot error NTOSKRNL.exe missing

Every once in while when you reboot a workstation or server you'll get the famous NTOSKRNL.EXE is Missing or Corrupt error Windows NT could not start because the following file is missing or corrupt: 
  1. It's fairly straight forward to resolve this problem. Start by booting your machine from the install media (CD/DVD or USB Drive) when prompted follow these steps :
  2. Boot to the recovery console (
  3. Select your Windows installation that you want to recover
  4. When prompted provide the local administrator password
  5. Once you are into the recovery console you will probably be sitting at a C:\WINDOWS prompt
  6. Change the directory to the i386 folder on your CD / DVD drive (If you only have one partition it will most likely be D:\)

Copy the following files to the C:\ drive

copy ntldr C:
 copy C:
Change your source directory back to C:\Windows
Next you will need to fix your boot record
fixboot C:
Most likely you will also have to fix the boot .ini using the bootcfg command
bootcfg /rebuild
  1. Add the required Windows installation to your boot list
  2. Add the Load Identifier (Custom description)
  3. Add the OS Load Options (/fastdetect)
  4. Type exit to reboot the machine

Friday, February 20, 2015

Passbook printing option for SSA accounts

Print Passbook for SSA Accounts

  • After SSA up-gradation normally SSA Passbook printing option is not available with the existing passbook printing option. 
  • These passbooks can be printed using 'printerv5_vista.exe' which is available in PBV folder under SP5.

Thanks to Ratul Barman,Pathsala-781325,
Mobile Number-9864376624/9435586382

Find Product key of Windows Operating System

Windows XP / 7 / 8 / 2003 server Product Key finder

Forgot your Windows XP Product Key? How to recover your Windows XP Product Key?

If you do not remember your current windows XP product key, look for a file called “Unattend.txt“. You will find it either on your Windows XP Disk or in your Hard-disk drive.
This file will contain the product key for your current Windows XP installation.
Thanks to G Venkateshwaran Sivakasi HO

Tool to Find key for Windows OS 

  1. If your system came pre-installed with XP, the Product Key that any (free or paid for) key finder or system resources utility retrieves most likely will be the Generic Key the OEM uses to install and NOT the Product Key you need to reinstall.
  2. If you successfully reinstalled XP since the initial OEM setup(i.e. The first time you booted the computer), the Product Key if requested and input from the key located on the case or generic OEM sticker label will be the valid Product Key supplied with the computer.
  3. If XP was not reinstalled the retrieved Product Key will be the generic Product Key used by the OEM and will return an invalid message when used to reinstall from the OEM disk. The correct Product Key will be the one from the sticker on the outside of the case.
  4. The Product key is not hard coded [i.e. does not have a singular unique identity] to the Windows XP CD or any other version of Windows installation disk media.

Download Key Finder Freeware

Chrome Remote Desktop Connection in DOP Configuration

Chrome Remote Desktop Connection


  • No  File transfer option
  • Chromeremotedesktop host installer may give problems in few pcsversion of googlechrome updation to support web store is mandatory

Download Latest Google Chrome

Configuration of Chrome Remote Desktop

Thanks to Saravanan R

How to calibrate Olivetti PR2/PR2E Passbook Printer

Olivetti passbook printers are widely used printer in post offices. Sometimes we find problem with printer when it stops printing. In that case, calibrating the printer can solve your problem. 

Follow the steps to calibrate Olivetti PR2/PR2E passbook printer:

1. Switch off the printer.

2. Open the top cover of the printer and keep Head of printer at extreme left side.

3. Press all three buttons ("Station 1", "Local" and "Station 2") and then switch on the printer. Printer will give a beep sound.

4. Now close the top cover of the printer and press "Station 1" two times. The print Head will start moving and roller will start rolling.

5. Now press "Station 2" once and then add a paper to the printer and again press"Station 2".

6. Printer should take paper inside and all LEDs should blink within 5-10 seconds.

7. If not, then keep pressing "Station 2" until all LEDs glow.

8. Now switch off the printer and take test print. To take test print, press "Station 2"and power on the printer.

9. If printer gives you the proper test page then congratulations, your printer has been troubleshooted.

Note: Calibrating a printer is not an easy task and you may do these steps three-four times to calibrate the printer properly

Video tutorial

Thursday, February 19, 2015

McCamish Reading and Configuration Materials

McCamish Materials for Working Procedure

System Admin Materials available for McCamish Configuration and working procedure.


Thanks to Rajesh H

How to fix: CD-Rom/DVD-Rom drive not detected by Windows?

This problem can be caused by corrupted Windows registry entries. In order to fix the problem, you might have to use the Windows Registry Editor to delete the corrupted entries. To do this, you must have administrative rights to your computer.

Step 1: Check if the drive shows up in Device Manager:

If the drive is listed in device manager, try to play or access a CD or DVD. If you can play, then, its fine. If not, continue to the next step.

Step 2: Re-install the drivers for the CD/DVD Rom drive and check if it fixes the problem:

1. Click on the Start button and then select Control Panel.
2. Double-click on the System applet.
3. On the Hardware Tab, click on Device Manager. (You might be prompted for your administrator password.)
4. In the Device Manager, expand DVD/CD-ROM drives, right-click the CD and DVD devices, and then click Uninstall.
5. Click OK when you are prompted to confirm if you want to remove the device.
6. Restart the computer.

After the computer restarts, the drivers will be automatically installed. If this did not resolve the problem, proceed to the next step.

Step 3: Edit the Windows XP Registry:

1. Click on the Start button, and then select Run.
2. In the Run dialogue box, type regedit, and then click OK or hit the <> key.
3. Locate and then click the following registry sub key:
4. In the right pane, click UpperFilters.
If you see an UpperFilters.bak registry entry, you do not have to remove that entry. Just click on UpperFilters only. If you do not see the UpperFilters registry entry, you still might have to remove the LowerFilters registry entry. (Go to step 7)
5. On the Edit menu, click Delete.
6. When you are prompted to confirm the deletion, click Yes.
7. In the right pane, click LowerFilters.If you do not see the LowerFilters registry entry, this content cannot help you any further.
8. On the Edit menu, select Delete.
9. Click on Yes when you are prompted to confirm the deletion..
10. Exit the registry editor and restart your computer.

Thanks to Gangadhar DN via CBS Migration-DOP Tech
Visit and Join with our DOP System Admin Group : Admin 

Sanchay Post /Patches .MSI File installation Error and Solution

.msi Installation error and Solution

While trying to install .msi patch file it may show the error message "The upgrade patch can not be installed by the windows installer service because the program to be upgraded may be missing or the upgrade patch mat update a different version of the program. Verify that the program to be upgraded exists on your computer and that you have the correct upgrade patch.


  • Download and install the latest version of windows installer.
  • Reboot / Restart your machine.
  • Try to install patches once again using the .msi file


Download - Windows XP

Download - Windows 2003 server

Revised DPT Fix 4.9 for Clear Discrepancies

Revised DPT Fix 4.9 dated 18.02.2015

  • There was a bug in DPT fix 4.9 (RD a/c with d/f as zero option-Already paid d/f again appeared in bulk posting screen.) 
  • Solution of this discrepancy available in revised DPT fix.
Warning : offices not having separate block/range of accounts for agents should not try fix-agent-related-issues button.


Wednesday, February 18, 2015

Windows XP updates for access Finacle Application

Windows XP Updates : Access Finacle Application

Windows XP updates to resolve malware and Trojan issues in Symantec End Point Protection provided from TCS.

Download windows XP Updates

Thanks to Rajesh H

Tuesday, February 17, 2015

Tool for Printing Single Registered Abstract in MM Module

Tool for printing the Single Registered Abstract for those offices where Registration/Delivery/Despatch branches are combined and single abstract maintained before the computerization. 

The tool "EASY-ABSTRACT" help to prepare single abstract of the above given type of offices. The tool "DOSPrinter" helps in printing of the report.
Download, change the extension to exe and copy both the files in "C:\" drive only. Then run "EASY-ABSTRACT" to get the abstract for any date.


  • Dot Net 3.5 or later
  • OS - Preferably Win 7 or later
  • SQL - Preferably 2005
  • All the articles/Bags/Bundles are to be configured correctly in Despatch module.


Thanks to Bijumon S Trainer, DCTC

Monday, February 16, 2015

Google Chrome Desktop Installer Offline version

Chrome Remote desktop installer

After install the chrome Remote desktop addon while trying to share or enable remote access from Chrome it may ask to install Chrome Remote Desktop host. 
  • You can download Chrome Remote host installer at once to install all the offices
  • Install Chrome Browser Latest Version.
  • Install Chrome Remote Desktop addon.
  • then install Remote host to enable remote access.


Mirror 1
Thanks to Saravanan SA

Query to Create McCamish Account Heads

Create McCamish Heads in MM Module

The query should be executed only after day end of all modules or before day begin of all modules only. 
  • Change the date in query as the execution date.
  • i.e replace 270115 with execution date.00 

McCamish Accounts Head for PLI

McCamish Accounts Head for RPLI

Download Query and Format

Query for McCamish Head
Thanks to Rajesh H

Saturday, February 14, 2015

Just for Info : Remote Desktop Connection in Post Office

After Migrate into Sify Network Team Viewer Remote Desktop support blocked. Recently (past one week) Ammy Admin also Blocked by Sify.

Following Remote Desktop Connection closed

  1. Team Viewer
  2. Ammy Admin

What Next ?

Chrome Remote Dekstop
  • Download and Install Google Chrome.
  • Visit Below Link to Download remote Desktop Connection

  • Open Chrome Remote Desktop in Chrome Apps and Login your google account, then allow permission to share your compute.
  • Click on Share Button in Remote Assistance Tab.
  • It may Generate 12 Digit Number, you can access from anywhere using that code.

Fix NTLDR is missing with a USB boot disk

Fix NTLDR is Missing using USB Boot Device

“NTLDR is missing. Press Ctrl+Alt+Del to restart”. If you face the NTLDR (NT loader) error, then probably your primary hard disk’s boot loader is damaged.
  1. Ntldr
  3. Boot.ini


  1. Download the “” zip file and extract its contents onto a Drive.
  2. Format as a DOS using HP Format tool i.e HPUSBFW.exe using dos system Files
  3. Copy the the Content of Folder putonusb into USB drive except winnt.ini
Now your USB drive able to Boot and Fix the NTLDR Problem with out OS CD.


Sanchay Post 7.5 SSA Patch Lot error while Day End

SSA Lot error while day End Sanchay Post 7.5

After Installation of SSA Patch for Sanchay Post 7.5 It may show the error while view on SSA LOT.
then while do day end in Sanchay Post it may also show the above error.


Incorrect sequence / Improper configuration may followed in Updating of SSA Patches.

  • Never apply solution after updating SSA Patch 10.1 
  • Rename original Postv5.exe to Postv5_old.exe
  • Rename Postv5A.exe into Postv5.exe

Friday, February 13, 2015

RD Bulk Account Open through Sanchay Post by PoTools

RD Bulk Account Open Final version by PoTools

RD Account Open Tool is used to Open Bulk number of accounts for the same person in lower denomination. 

Download RD Bulk Account Open

Procedure to Open a Bulk Number of New Account

  • Download attached RD Account Open Tool from PoTools.
  • Close all other Modules includin Communications.
  • Login as Counter in Sanchay Post and Make sure RD Account Open Form selected.
  • Open RD Account Tool and Enter account details Like name, address deposit amt etc.
  • Before execute Open account ensure screen should be like

Download RD Bulk Account Open

Note : RD BO Accounts Opened using this Tool without selecting BO account will not reflect in LOT after Tagging it.

Data Profiling Tool v5.8 dated 31.01.2015

DPT v5.8 dated 31.01.2015 by DMCC


McCAMISH Helper Version 2.0 (Update - 1) Released

McCAMISH Helper Version 2.0 (Update - 1) 

Thanks to Developer
Gaurav Patel System Admin, Mahim HO, Mumbai Region, Maharashtra Circle
After receiving request from so many CPCs an offline & lite version of McCAMISH Helper 2.0 (Update - 1) is released, now you can access all the required documents related to McCAMISH locally. no need to download from Internet.

Whats New in McCAMISH Helper Version 2.0  (Update - 1)

  • Offline Access to the documents (All Documents and Training material can access locally) 
  • Easy Setup and Lite Version of Application
  • Easy Screenshot Button Added
  • McCAMISH Receipt Setting Added
  • McCAMISH Auto Broweser Setting Added
  • POLI Rules - 2011 Added
  • Feedback form Added
  • Meghdoot feed upload process in McCAMISH Added
  • Sample CVS file for Meghdoot Feed creation added
  • Agent comission calculation process in McCAMISH Added
  • Customer Portal Tutorial added
  • System Admin Tutorial Added

New Release of DM Utility Tool and DPT Tools by DMCC

DM Utility and DPT Tools New Release

Download Link of Latest Version

DPT 5.8 dt 31/01/2015

DM Utilty Tool (Ver 3.4) and SP Tool ver (3.4) dated 31/01/2015

Features of new tool

  • Extraction of new series of KVP
  • Linking of KVN3, KVN4,KVN5 and KVP6 to SAS agents
  • Few more issues wrt to Addressbook, RD Nominations MIS Interest have been fixed in this tool.
  • This new tool is to be brought into use immediately. 

Offices scheduled from 16/02/2015 ie offices sending Go Live data on 13/02/2015 to use this tool.
Tool to extract KVN separately for already migrated offices is to be released shortly.
​It is intimated that ​ Go Live data received with older version of Tool will not be considered for Go Live.

DPT Fix 4.9 Solution for DPT Discrepancies Final Version

DPT Solution v4.9 Final Version

What's New ?

  • MDE database issues(duplicate certificate & duplicate regn no.)
  • MDE issue- Binder transdate<>gardfile transdate
  • Agents without entry in dcl.nsc_agents table
Fixed small bug in mde_sign in earlier option of same regn no. but different certificate no.

Snaps of DPT 4.9 final Version


Thursday, February 12, 2015

Sukanya Samriddhi Account vs Public Provident Fund (PPF)

Sukanya Samriddhi Account vs Public Provident Fund (PPF)

Points of Difference
Sukanya Samriddhi Account (SSA)
Public Provident Fund (PPF)
For whom
Only for Girl Child.
For every Indian Citizen.

Age Limit
From the birth till she attains age of 10 years.
No age limit.

By whom
By the girl child who has attained the age of 10 years or by the natural or legal guardian.
By the Individual but by the natural or legal guardian for the minor child.

Where to open
Post office and nationalized banks but not   private banks.
Post office and nationalized banks, including private banks.

Number of Account
One account for each girl child, maximum up to 2 or 3 accounts if twin girls are born in the second birth or triplets are born in the first birth.
Each Individual can hold only one account in   his name.

Minimum Contribution

Maximum Contribution
   Rs.1.5 lakhs in all accounts.
Rs.1.5 lakhs in all accounts.
Interest Rate
9.1% per annum for fiscal year 2014-15.
8.70% per annum for fiscal year 2014-15.

Tax Benefit on the Contribution
Contributed Amount will be deductible u/s 80C.
Contributed Amount will be deductible u/s 80C.

Tax Benefit on the interest earned
At present no tax benefit is announced for the interest earned. A mere sum of Rs.1,5o0 will be deductible u/s 10(32) .
Interest Earned is tax free under PPF.

Time Period of contribution
Minimum tenure of contribution is 14 years from the date of opening of account.
Minimum 15 years and then in blocks of 5 years.

21 years from the date of opening of account.
15 years from the fiscal year of opening of account.

Rs.50 per year if minimum contribution is not made.
Rs.50 per year if minimum contribution is not made.

Mode of Deposit
Cash or Demand Draft or Cheque
Cash or Demand Draft or Cheque

Premature Withdrawal
Allowed up to 50% for the girl’s higher education and marriage after she attains 18 years of age
No premature withdrawal is allowed except in case of death of the account holder.

No loan can be taken on the SSA balance.
Loan can be taken from the third year of opening of account to the sixth year.

Taxation on Maturity
No tax will be levied on the maturity amount.
No tax will be levied on the maturity amount.


  1. Interest rate under both the schemes will be notified each year by the Government.
  2. Interest will be compounded yearly under both schemes.
  3. Loan on the PPF balance is restricted to 25% of the balance at the end of 2nd year.
  4. At present interest earned on SSA account is taxable in the hands of guardian but it may get tax rebate in the upcoming budget.
  5. Contributed amount get deduction u/s 80c up to Rs.1.5 lakhs including all other eligible investments.