NISM Series XVII: Retirement Adviser Certification Examination Notes
Page 67 Of 110
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Bank Deposit Flexibility: FDs allow reinvestment or reallocation on maturity.
Tax-Free Interest: Certain bonds offer tax-exempt interest, boosting returns.
EPF Withdrawals: Taxable if withdrawn before 5 years of service.
SCSS Tenure: 5-year term with income option for retirees.
NSC Tenure: 5-year term, requiring reinvestment discipline.
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