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Small savings instruments can be classified under three heads: Postal Deposits: (comprising savings account, recurring deposits, time deposits of varying maturities and monthly income scheme). Savings Certificates: National Small Savings Certificate (NSC) and Kisan Vikas Patra (KVP). Social Security Schemes: Sukanya Samriddhi Scheme, Public Provident Fund (PPF) and Senior Citizens‘ Savings Scheme (SCSS).