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| 正面描述 | Printed in red on cream paper with a fine guilloche border. The bilingual header in Hindi and English reads '7-YEAR NATIONAL SAVINGS CERTIFICATE' with 'FOURTH ISSUE' at upper right. The Ashoka Lion Capital appears at lower left and right flanking the certificate text. Denomination '500 RUPEES FIVE HUNDRED' is set at upper corners, with 'IV ISSUE' printed centrally in bold letterpress. |
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| 背面铭文 | चौथा निर्गम ७-वर्षीय राष्ट्रीय बचत-पत्र 7-YEAR NATIONAL SAVINGS CERTIFICATE FOURTH ISSUE 500 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. 500 If the certificate is encashed after 3 years but before the expiry of 5 years. Rs. 490.00 - do - 5 - 7 years Rs. 492.50 After 7 complete years Rs. 500.00 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 office at which the certificate is registered, in the event of loss of the certificate. TRANSFERABLE ONLY WITH PERMISSION OF THE COMPETENT AUTHORITY ONLY. |
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The 7-Year National Savings Certificates were not currency in any strict sense — they were bearer instruments used to mobilize domestic savings during India's capital-scarce post-independence decades. By the Fourth Issue in 1973, the scheme had been running long enough that the government had refined both the denomination structure and the redemption mechanics, though the certificates remained largely a middle-class and postal-network instrument, sold through post offices rather than banks.
The India Security Press at Nasik Road had handled high-security document printing since the colonial period and continued producing these certificates alongside definitive postage stamps and currency notes. The 500-rupee face value placed this firmly in the hands of savers with meaningful capital to commit — a substantial sum for most Indian households in 1973.