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    <title>National Savings Schemes</title>
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    <description>Thirteen National Savings Schemes, including various Post Office deposit products, National Savings Certificates (with the IX Issue to be discontinued effective 20.12.2015), Kisan Vikas Patra, Public Provident Fund, Sukanya Samriddhi and Senior Citizens Savings Schemes, are available to all Indian nationals in rural and urban areas primarily via the Post Office network; gross collections have risen and the Government has no proposal for a new small savings policy for senior citizens or weaker sections.</description>
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