Yah my dear Mr.Usman is 100% right. Don't go back any commercial bank. i also suggest you. you must invest At National Saving Scheme Or General Post Office. NSS is more better to any else.
Two A/c's are better for you. one is Monthly profit base Regular income certificate and second one is Special saving A/c.
In RIC you will get almost Rs.1100 profit against Rs.100000 but this profit will not be reinvest for next month. And In SSA you will get almost Rs.6600 profit against Rs.100000 after each 6 month and this profit will also reinvest for next period as well.
GPO rates is Same like NSS.
but make sure here is no any facility of ATM cards and other expensive facility.

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 >>>>*To Err is human, but to forgive is not a COMPANY policy*<<<< 