Assertion (A): An RD account holder can extend the maturity period to recover defaults.
Status: True.
Explanation: Normally, an RD matures in 5 years (60 months). However, if someone has missed a few payments (defaults), they haven't completed the 60 required deposits. The rules allow the holder to extend the 5-year period by a few months to finish making those missed payments.
Reason (R): A status of 'Discontinued' is applied only if defaults exceed four.
Status: True.
Explanation: This is a factual rule from the Post Office Savings Bank (POSB) manual. Up to 4 defaults, the account is still "active" but in default. Once you hit the 5th missed payment, it is "discontinued."
Why it explains (A): The reason you are allowed to extend the maturity to recover defaults is precisely because the account is still legally "active." If the defaults had exceeded four, the account would be discontinued, and you generally cannot just "extend" it, you would have to revive it within a specific period or lose the benefits.
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The Foreign Post rules can be tricky. My suggestion is to first understand the definitions in Part I thoroughly. Focus on the distinction between 'Letter Post' and 'Parcel Post'.
For memorization:
1. Create flowcharts for the routing process.
2. Use flashcards for specific Article numbers.
3. Don't try to memorize verbatim; understand the procedure.
Most questions in Paper II come from the practical application of these rules rather than direct theory.
Yes, IT Modernization 2.0 is a crucial topic for the upcoming exams. While the core syllabus remains similar, expect more questions on:
- DARPAN 2.0 implementation
- McCamish System updates
- Network connectivity standards
We have updated our 'Current Affairs' section with a dedicated PDF on IT 2.0. Please refer to that for detailed notes.
