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| 背面描述 | Salmon-pink reverse with matching guilloche border. The upper portion carries bilingual Hindi and English text setting out the repayment schedule and early encashment values. A ruled table lists interest amounts, dates of payment, and postmaster initials. The lower section is divided into a Hindi 'भुगतान की रसीद' and an English 'RECEIPT ON DISCHARGE' panel, with spaces for the holder's signature or thumb impression, date, and received amount. |
| 背面铭文 | 7-वर्षीय राष्ट्रीय बचत-पत्र चौथा निगम 7-YEAR NATIONAL SAVINGS CERTIFICATE FOURTH ISSUE The amount of the certificate is repayable at any time after the expiry of three years from the date of issue of the certificate at the rates set out below: Amount repayable for every Rs. 1000 If the certificate is encashed after 3 years before 5 years. -do- 5-7 -do- complete years Amount of Interest Date of payment Initials of Postmaster भुगतान की रसीद RECEIPT ON DISCHARGE. Received amount of Rs. paise (in words and figures) in cash / by purchase of fresh certificates vide application attached. Date Signature(s) or thumb impression(s) NOTE: THE HOLDER IS ADVISED TO KEEP A NOTE OF THE SERIAL NUMBER AND DATE OF ISSUE OF THIS CERTIFICATE AND TO NOTIFY IMMEDIATELY THE POST OFFICE AT WHICH THE CERTIFICATE IS REGISTERED IN THE EVENT OF THE CERTIFICATE BEING LOST. TRANSFERABLE WITH THE PERMISSION OF THE COMPETENT AUTHORITY ONLY. |
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National Savings Certificates issued by the Government of India were not currency in any conventional sense — they were debt instruments, used to mobilize domestic savings and reduce dependence on external borrowing. The Fourth Issue of the 7-Year series came during a period of considerable fiscal pressure following the 1965 war with Pakistan and the droughts of the mid-1960s, both of which had severely strained public finances. A seven-year maturity was deliberate policy: long enough to lock in funds through volatile budget cycles, short enough to attract cautious middle-class savers.
These certificates were sold through post offices rather than banks, which shaped their survival rate — postal handling was hard on paper, and redeemed certificates were routinely cancelled and pulped rather than archived.