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| 正面描述 | Blue intaglio-style print on cream paper, with the Ashoka Lion Capital emblem at top centre flanked by guilloche side panels bearing denomination numerals in regional script. The central text block carries the certificate body in letterpress, with Post Office stamp and Postmaster signature line at foot. |
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| 背面铭文 | 1949 ISSUE RECEIPT ON DISCHARGE. 5 Year certificate Amount to be invested .. Rs. 50/- If payment is claimed after one complete year or earlier .. 50 - 0 after two complete years .. 51 - three .. .. 52 - 8 four .. .. 55 - 0 five .. .. 57 - 8 Received payment of Rs. (in words and figures) p. in words and figures Date Signature(s) or thumb impression(s) of holder(s). Note. The holder(s) are recommended to keep a note of the serial No and date of issue of this certificate and to notify immediately the post office in which the certificate is registered, in the event of the certificate being lost. THIS CERTIFICATE IS ISSUED IN ACCORDANCE WITH THE TERMS OF THE NOTIFICATION No. 3986 - C - 1/49, DATED THE 26TH JULY 1949. |
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India's Post Office National Savings Certificates were not banknotes in any conventional sense — they were fixed-term savings instruments issued directly by the postal department under the authority of the central government, redeemable at face value plus accrued interest after five years. The 1949 series came in the immediate wake of partition, during a period when the new Indian government was aggressively pushing small-denomination savings schemes to absorb surplus rural currency and fund reconstruction without expanding the money supply.
The 50-rupee denomination sat at the upper end of accessibility for most wage earners at the time. Post offices, rather than banks, were chosen as the distribution network precisely because branch banking barely penetrated rural India in 1949.