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    <title>National Savings Certificates (VIII Issue) (Amendment Rules), 2012</title>
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    <description>The rules amend Certificates to provide a five-year maturity for certificates purchased on or after the effective date, prescribe annual interest accruals for five years with accruals at the end of each year through the fourth year deemed reinvested and aggregated with face value, and add an encashment schedule for certificates encashed after three years with proportionate amounts for other denominations.</description>
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      <description>The rules amend Certificates to provide a five-year maturity for certificates purchased on or after the effective date, prescribe annual interest accruals for five years with accruals at the end of each year through the fourth year deemed reinvested and aggregated with face value, and add an encashment schedule for certificates encashed after three years with proportionate amounts for other denominations.</description>
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