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並前往https://www.indiapost.gov.in/Financial/pages/content/post-office-saving-schemes.aspx

Post Office Saving Schemes - India Post

A/c, 5.5% ... be applicable from the date of opening of account to the date of refund. ... (i.e. A/c open during 2010-11, loan can be taken in 2012-13).

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