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of <h1>Rule 4 of 2011 Rules: Three National Savings Certificate Types for Adults and Minors; NRIs Not Eligible.</h1> National Savings Certificates (IX-Issue) Rules, 2011, under Rule 4, specify three types of certificates: Single Holder Type, Joint 'A' Type, and Joint 'B' Type. A Single Holder Type certificate can be issued to an adult for personal use, on behalf of a minor, or directly to a minor. Joint 'A' Type certificates are issued to two adults, payable jointly or to the survivor, while Joint 'B' Type certificates are payable to either holder or the survivor. Non-Resident Indians are not eligible to purchase these certificates.
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