Section 13(3) in National Savings Certificates (VIII Issue) Rules, 1989
(3)If the officer incharge of the post office of registration is satisfied of the loss, theft, destruction, mutilation or defacement of the certificate, he shall issue a duplicate certificate on the applicant furnishing an indemnity bond in the prescribed form with one or more approved sureties or with a bank's guarantee.Provided that where the face value or the aggregate face value of the certificate or certificates lost, theft, destroyed, mutilated or deface d is Rs. 500 or less, a duplicate certificate or certificates may be issued on the applicant furnishing an indemnity bond without any such surety or guarantee.Provided further that where such application is made with respect to certificate mutilated or defaced of whatever face value, a duplicate certificate may be issued without any such indemnity bond, surety or guarantee if the certificate mutilated or defaced is surrendered and the certificate is capable of being identified as the one originally issued.
