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of <h1>National Savings Scheme account closure rules: four-year lock-in, but death allows anytime closure with Rule 6 interest</h1> Closure of a National Savings Scheme account is permitted only on expiry of four years from the end of the year in which the account was opened, restricting premature withdrawal before that period. Where the depositor dies, the account may be closed at any time after death, and interest is admissible up to the date of withdrawal at the rate specified in rule 6, ensuring accrual is not forfeited on early closure due to death.
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