I have a nsc worth of Rs 50,000. This is matured and I am getting Rs. 80,000. However I am being told that I will get the amount via cheque. The NSC is in my mother's name and so I will get the cheque in her name, which I don't want. The NSC agent told me that I will have to renew the NSC again in joint name this time so that after maturity I will be able to get the cheque in my name.

Is there any other option? Can't I get the entire money in cash?
Or may be if I partially withdraw Rs. 20,000 which they claim to give it in cash and the remaining to be reinvested in NSC. or is there anyother solution.


Please help urgently.