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please give me clarifications on postal deposits

1. online calculator of TIME DEPOSITS 1,2,3 AND 5Yrs

2. if the Rd a/c opened in dated 10-1-2012 is thare any default will be collcted if  i pay  instalment after 15th every month

3. is thare any fecilty to deposit the amount in postal schemes if depositor is illiterate  bacause thay are asking cheque to deposti , is thare any chance to get cheque book on SB account of postal to illiterate
asked in Indian Post Office Schemes by (120 points)

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