How to open a post office account

Post Office Account is an account with the IndiaPost – a government-backed entity offering postal services in its branches across the country. The post office savings account offers many facilities like e-banking, mobile banking, cheque facility, deposit & repayment facility, applying for loans, etc. Another advantage of a post office account is that it provides access to avail other post office savings schemes which are meant for regular savings & investment purposes. Depositors can use their post office savings account to make deposits, repayments, withdrawals from their investments in savings schemes.

The popular savings schemes available in Post Offices include:

Eligibility Criteria – Who can open a PO account?

Anyone who falls under the following mentioned criteria is eligible to open a post office account-

  • Any adult resident Indian can open a Post Office Savings Account.
  • It is allowed to open a joint account with a maximum of 2 adults.
  • Guardians may open an account in the name of a minor or a person of an unsound mind.
  • In the case of minors, the account needs to be transferred in their own name once they attain maturity by submitting the fresh account opening form & KYC documents at the branch.

Important things to note while opening a post office account-

  • Only one post office account can be opened by an individual in a branch.
  • In the event of the death of a joint holder, if the remaining holder already has a single account of his / her name, the surviving holder would be the single holder.
  • A single account cannot be converted into a joint account & vice versa.
  • Nomination is compulsory at the time of opening of an account.
  • Minor has to submit a new account opening form and KYC documents in the concerned Post Office branch for transferring the account in his/her name after attaining majority.
  • As per the Prevention of Money Laundering Act – 2002, the depositor needs to submit proof of income for investments in any scheme with an amount above Rs.10 lakhs.
  • Non-Resident Indians, Trusts, Companies, Institutions, Firms, etc. are not allowed to open an account in any of the post office savings schemes.
  • Presently, only cheques can be used for opening an account in schemes like PPF, SCSS, Monthly Income Scheme, KVP & NSC.

How to open a post office account?

  1. Visit your nearest post office branch and ask for the account opening form.
  2. Fill all the necessary details required in the account opening form and submit the following documents:
  • KYC Form
  • PAN Card
  • Adhaar Card, if it’s not available then submit any of the following documents as address proof:

MNREGA Job Card

Letter by National Population Register containing name & address details.

3. Birth proof/certificate would need to be submitted in case of a minor account. Also for the Sukanya Samriddhi Yojana account, it is mandatory to submit a copy of the birth certificate.

4. In the case of a Joint account, the KYC documents of all joint holders need to be submitted.

5. Then make a minimum deposit as required under the particular post office savings scheme to open the account.

Transfer of Accounts

  • Accounts in one CBS post office can be transferred to another CBS post office.
  • In the case of PPF, SSY & SCSS, accounts can be transferred from post office to bank and vice versa.
  • To transfer the account, submit a transfer application along with the passbook at the concerned post office branch. Also, you would need to pay transfer charges of Rs.100 +GST.

Death Claims

In case of death of the depositor, the following documents need to be submitted by nominees to make claims:

  • Duly filled claim form
  • Death certificate of depositor
  • Passbook of account
  • Identity & Address Proof of the nominee
  • Identity & Address Proof of 2 witnesses.

E-banking & Mobile banking facilities

Process to Activate

  1. The facilities of E-banking & mobile banking on the PO account can be availed by depositors by submitting the required duly filled application form.
  2. After submitting & successfully completing the application process, the depositor will receive an activation code within 48 hours of application. That activation code will have to be entered in the “New User Activation” option at their official site: ebanking.india.gov.in
  3. E-banking will offer the following services to depositors:
  • Opening RD/TD account
  • Making deposits in RD, PPF, SSY & Savings account
  • Applying for RD loans & withdrawals in PPF
  • Transaction history
  • Mini Statement
  • Stop Cheque requests

List of Charges for availing different services:

  1. Charges for Transfer of account – Rs.100
  2. Pledging of account – Rs.100
  3. Cancellation or change in nomination – Rs.50
  4. Duplicate passbook – Rs.50
  5. Statement of account/ Deposit receipt charges – Rs.20 each
  6. Issue of Cheque book in savings account – No fees applicable for up to 10 leafs in a financial year, after that Rs.2 per leaf is charged.
  7. Dishonor of cheque charges – Rs.100

The charges listed above are excluding the applicable taxes.

Note: The information provided regarding the post office bank account is as per the official information disclosed by IndiaPost on their official website.

A Post Office Savings Account is a government-run deposit scheme that is available at all Indian post offices. It pays you a fixed interest rate calculated by the Reserve Bank of India on your deposit. On both single and joint accounts, the fixed interest rate is currently 4%. Individuals who wish to gain guaranteed returns on their deposits with reduced risk should accept the Post Office Savings Scheme. Continue reading to learn more about this scheme and how to sign up for an account online.

How to open a post office account

Key benefits of post office savings account

  • Accounts can be opened in the name of minors, and minors above the age of ten can open and manage the account accordingly.
  • The facility of nomination is available both at the time of account opening and thereafter.
  • Individually or jointly by two or three adults, the account can be opened and managed.
  • One can deposit a minimum of Rs 500 with no upper limit in his or her post office savings account.
  • If a Joint holder expires, the surviving holder becomes the primary holder; but, if the surviving holder already has a single account in his or her name, the Joint account will be closed.
  • It is not possible to convert a single account to a joint account or vice versa. At the time of account opening, nomination is necessary. After reaching the majority, a minor should submit a new account opening form and KYC documents in his or her name to the relevant Post Office for transfer of the account on behalf of his or her name.
  • The minimum withdrawal limit is capped at Rs 50. If the account balance does not exceed Rs. 500 until the end of the financial year, a fee of Rs. 100 will be withheld as Account Management Fee, and if the account balance falls to zero, the account will be terminated automatically.
  • If the minimum deposit balance is less than Rs 500, no withdrawal is permitted.
  • If no deposits or withdrawals are made in a savings account for three years in a row, the account is considered silent/dormant. Such accounts can be reopened by submitting an application to the relevant Post Office along with new KYC records and a passbook.

How to open a post office account

Eligibility criteria

To open a savings account in the post office you need to meet the following eligibility criteria:

  • A Post Office Savings Account can be opened by any Indian citizen over the age of ten.
  • Guardians of minors can open a savings account on their behalf. Once minors reach the age of 18, they can request for the account to be transferred on behalf of their name.
  • At any designated post office, an individual can only have one single or one joint account.

Post office savings account interest rate

The Reserve Bank of India determines the interest rates for Post Office Savings Accounts. Currently, post office savings accounts offer a 4% annual interest rate. Interest will be determined on a minimum balance between the 10th and the end of the month. If the balance dropped below Rs. 500 between the 10th and the last day of the month, no interest will be paid. At the end of each Financial Year, interest will be added to your account at the interest rate fixed by the Ministry of Finance. Interest will be paid up to the month in which the account is closed when the account is closed. Interest received on all Savings Bank Accounts up to Rs. 10,000 in a Financial Year is exempted from taxable income under section 80TTA of the Income Tax Act.

How to open a post office account

Steps to open a post office savings account online

  • Visit the official website of India Post and head to the section ‘Savings Account’
  • Now click on ‘Apply Now’ and enter the required/mandated details
  • Click on ‘Submit’ and verify all the entered details with your KYC documents.
  • Now submit all the required KYC documents and upon verified by the post office you will receive a welcome kit which will contain cheque book, ATM Card, Aadhaar Seeding, ebanking/mobile banking credentials and so on.

Steps to open a post office savings account offline

To open a post office savings account at the branch, follow the below-listed steps:

  • Download the post office savings account application form from the India post website and fill the form with all the required details.
  • Submit the form, along with the necessary KYC documents and passport-size photographs, to the Post Office.
  • Now pay the minimum deposit amount and your savings account will be opened in two business days after the above measures have been completed successfully.

Steps to open digital savings account with IPPB

To open a savings account at a post office, you must be at least 18 years old. To open a digital account, follow the steps below.

  • Open the IPPB Mobile Banking app and select the ‘Open Account’ option.
  • Enter your PAN and Aadhaar, now you will get an OTP on your registered mobile number.
  • Enter the OTP in the required space in order to authenticate and enter the required details
  • Once all the details have been filled out and submitted, the account will be opened successfully and accessible via the app.
  • You must complete biometric authentication within one year of account opening, which is the account’s validity span, after which it will be transferred to a regular savings account respectively.

India Post has declared that the withdrawal cap at Post Office GDS (Gramin Dak Seva) Branches will be increased in order to give comfort to rural Post Office Savings Account holders. The individual withdrawal threshold will now be Rs 20,000 instead of Rs 5,000. The change is believed to assist Post Office Savings Schemes to catch up to competing banks in terms of deposit demand in the near future.

The small saving schemes of the post office may act as a substitute if you are looking to earn a better return on your savings bank account balance or on your fixed deposits. Several post office deposits, such as Time Deposits, NSC, PPF and KVP, currently provide a better interest rate than other secure investments, like bank fixed deposits. And, what’s even more, the Post Office Savings Bank (POSB) account also provides an online banking service that not only helps you to transfer funds but also you can initiate contributions from your comfort. As mobile banking has already started in the post offices, the Post Office Internet Banking has many functionalities that can help you keep your banking needs under the track. The following are a must as a prerequisite for using the Department of Post (DOP) Internet Banking:

  • PAN Number
  • Mobile Number
  • Email ID
  • KYC documents (if not authenticated yet)
  • Active Single account or Joint B Savings account

How to open a post office account

Application form for e-banking activation

You can visit the India Post website to download the ‘ATM Card / Internet / Mobile / SMS banking service request form’ or get it by accessing https://www.indiapost.gov.in/VAS/Pages/Form.aspx ​to download the post office e-banking activation application form or the Internet Banking form.

Procedure to register for post office online banking

In order to access post office internet banking one must visit the nearest post office branch once with the Internet Banking form of the post office filled in and attached with all the necessary and required documents in order to submit it. Once the post office Internet Banking is enabled you will get a confirmation or successful message on your registered mobile number via SMS.

Procedure to activate post office online banking

Once you are registered for post office online banking you will get a successful message on your mobile number as we discussed in the above paragraph. To proceed further in order to activate your account you need to visit https://ebanking.indiapost.gov.in and then click on ‘New User Activation‘.
You will have to enter the Customer ID here, which is the CIF ID which is specified on the first page of your passbook. And your savings account number is the Account ID.

You may be required to submit a ‘Pass phrase’ which is an add-on option for authentication. This confirms that you are signing in to the actual DOP Internet Banking URL. Throughout your account activation, it should be the same as you have configured. Don’t proceed and report to the post office if there is a discrepancy. You will also have to set up your login and transaction password and set up security questions as well. Covering all these, your post office Internet Banking will get enabled and also you will get a successful message on your registered email id and mobile number.

How to open a post office account

Deposits and fund transfer

You can render fund transfers from one POSB to another once the account is enabled. Also, you can deposit money into your PPF account or the recurring deposit (RD) account of the post office without reaching your post office branch. You can even do the same via internet banking if you want to invest in RD or time deposit and also close them as per your convenience. As a post office internet banking user, you can also select for ‘stop cheque’ request or schedule payments. You can also withdraw funds from your PPF account with respect to the eligible amount. And even you can deposit money into the PPF account or the post office recurring deposit (RD) account once the account is enabled or activated successfully.

What documents do I need to open a savings account?

Gather Documents to Open a Savings a AccountDriver’s license, government issued ID or passport.Social Security number.Most recent residential addresses.Email address.Date of birth.Bank account number and routing number (needed to fund your account).

How do I deposit money into my post office account online?

Here is a step-by-step guide for transferring money in your post office RD account through IPPB: Add money from your bank account to IPPB account. Go to DOP Products, From there choose Recurring Deposit. Write your RD account number and then DOP customer ID. Choose the installment duration and amount.More items…•

Can I double my money in 5 years?

To get your money doubled in five years, the CAGR needed will be nearly 15 per cent (more preciously 14.87 per cent). However, there is no guaranteed-return product that offers such a high rate of return and the only possible way to achieve this is by taking risk.

Is LIC better than FD?

Comparing between FD and Life Insurance Plan Thinking of short and long term investments, FDs are better. Life insurance plan are suitable only as long term investment options. The minimum period of investment in a life insurance plan is about 10 years. The minimum amount that you can deposit in a FD plan is Rs.

How much money is safe in post office?

Soon after the PMC crisis, the RBI assured investors that the banking system was safe. However, the fact that the deposit insurance scheme provides protection for a maximum of ₹1 lakh per depositor in a bank has is a concern in some quarters.

What is Post Office savings account?

The post office savings account is a deposit scheme provided by the post office throughout India. The account provides a fixed interest rate on the account balance. It is a beneficial scheme for individual investors who wish to earn a fixed rate of interest by investing a significant portion of their financial assets.

What is the best savings account to open?

Best savings accounts & rates of November 2020Best Overall Rate: Citibank – 0.70% APY.High Rate: Vio Bank – 0.66% APY.High Rate: Popular Direct – 0.65% APY.High Rate: Ally Bank – 0.60% APY.High Rate: American Express National Bank – 0.60% APY.High Rate: Synchrony Bank – 0.60% APY.High Rate: Comenity Direct – 0.60% APY.More items…

How do I open a post office savings account online?

How to activate Indian Post internet banking for new users?Go to Indian Post eBanking website.Click on ‘New User Activation’Enter the required details- Customer ID and Account ID.You will receive a ‘User ID’ once your activation process is completed.

What is needed to open a post office account?

Bring proof of your address to the post office. Present at least 1 form showing proof of address, such as a local authority tax bill for the current council tax year, current driving license, current bank statements, or a mortgage statement. Gas, electric, Internet, and phone bills are also acceptable.

Does the post office still do savings accounts?

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How to open a post office account How to open a post office account

Post Office Savings Account is one of the most popular investment schemes in India. You can open a savings account at any post office in the country. Post Office Savings Accounts are the responsibility of the Postal Department under the control of the Central Government. The interest rate on deposits in Post Office Savings Accounts is fixed by the Reserve Bank.

At present, 4 per cent interest is available on deposits in single and joint accounts. Interest income is calculated on an annual basis on a monthly basis. The Post Office Savings Account is ideal for those who want a stable return on investment at low risk.

Post Office Account Features

    can be opened only after payment.
  • Post Office Savings Accounts can also be opened in the name of minors; Children over the age of 10 have the opportunity to open and manage their own account.
  • Nomination information can be provided at the time of opening the account.
  • Single and joint account facility is available in Post Office Savings Plan; A joint account can be opened jointly by two or three people.
  • The minimum balance in accounts without check facility is Rs.50.
  • The minimum balance in check enabled accounts is Rs.500.
  • The account can be kept active by making a transaction at least once in three financial years.
  • Any Indian citizen above the age of 10 can open a Post Office Savings Account.
  • Parents can open an account in the name of a minor.
  • An individual is only allowed to open a single account and a joint account from a post office.

How to open a post office account online?

Opening a Post Office Savings Account online is easy. You can easily open a Post Office Savings Account online as follows.

  1. First visit the official website of India Post. Then select the ‘Savings Account’ option.
  2. Then click on ‘Apply Now’. Here you need to fill in the required information related to opening an account.
  3. Once the information is entered, you can press the ‘Submit’ button.
  4. Now all the required KYC documents have to be submitted.

Once the information provided is confirmed, the ‘Welcome Kit’ will arrive at the applicant’s address from India Post. The Welcome Kit includes check book, ATM card, Aadhaar seeding and e-Banking / Mobile Banking login details.

How to open a post office account

Salient Features of Post Office Saving Account
Account can be opened with cash most effective.The account may be opened in the call of a minor and minors above the age of 10 years can open and function the account.Nomination facility may be availed on the time of and after starting the account.The account can both be opened for my part or collectively by way of 2 or 3 adults.
Minimum balance in an account with out the cheque facility is ₹50. For accounts with cheque facility, this amount is ₹500.A minimal of one transaction in three monetary years is required to hold the account energetic.
Post Office Savings Account Interest RatesInterest rates for Post Office Savings Accounts are decided by way of the Reserve Bank of India. Over the years, it has hovered round 3-4%.

Currently, an individual earns interest at the fee of four% on their account stability. The interest is calculated month-to-month and credited yearly into the account.

Eligibility Criteria
Any indian resident above the age of 10 years can open a Post Office Savings Account.
In case of minors, guardians can open the financial savings account on their behalf. When the minors attain the age of 18 years, they have to get the account transferred to their call.
An person can handiest hold one single and one joint account at a specific submit office.

Post Office Savings Account Form
The software form for Post Office Savings account is available at all the publish offices and India Post website. You can both get the form from the closest post office branch or down load it from the hyperlink provided beneath:
This utility form is to be duly filled and submitted by means of all applicants as, with this shape, the applicant receives to access open a Post Office account efficaciously and benefit from other banking centers consisting of account portability, joint debts, tax exemptions, interest for the deposit, and so forth.

How to open a Post Office Savings Account Online or Offline?
The manner of starting a Post Office Savings Account is quite simple. Follow those simple steps to open a Post Office Savings Account:

After producing the software shape, fill all the required details
Submit the shape at the Post Office along with essential KYC files and passport size photos.
Pay the minimum deposit quantity of ₹20 for account with out the cheque facility or a deposit quantity of ₹500 for account with a cheque facility.After a hit of completion of the above steps, the savings account may be opened in 2 commercial enterprise days.
Post Office Savings Account Login
Indian Post has now given its subscribers the ability to get right of entry to their financial savings account on-line.The new users should generate the User ID for internet banking to benefit from the service.

How to prompt Indian Post net banking for brand new users?

Go to Indian Post eBanking internet site
Click on ‘New User Activation’
Enter the required info- Customer ID and Account ID
You will acquire a ‘User ID’ once your activation manner is finished
Post Office Savings Account eBanking Login
Go to India Post eBanking internet site
Enter your ‘User ID’
You could be logged in to the portal. Now, you may without difficulty get entry to your savings account
After logging in to the eBanking website, you’ll be able to perform exceptional banking sports, test balance and many others.
How to perform Post Office Savings Account Balance Check?
You can check your account stability by way of:

For stability enquiry, provide a missed name to 8424046556
To get minimal declaration, dial 8424026886
*You have to check in your cell variety for IPPB’s ignored call`banking service. To sign in your range for this service, giving a neglected call on 8424054994 from the cell variety connected on your savings/ modern-day account

Send a textual content message “BAL” with the ultimate 4 digits of your account variety to 32302
You will receive a reply along with your account stability
1 SMS costs Rs.1.00 only
*Your mobile number should be registered for this carrier

Withdrawals from Post Office Savings Account
Just like a Savings Account in any Scheduled Bank, depositors can withdraw cash from Post Office Savings Account as per their needs and needs. There isn’t any lock-in or adulthood period.

However, a depositor has to make sure that a minimal balance of ₹50 is maintained in an account with out the cheque facility, and a balance of ₹500 for an account with a cheque facility.

Post Office Savings Account App

The Department of Post, in October 2019, has introduced the launch of cell banking for his or her savings account subscribers. To avail the cellular banking facility, the customers need to have POS account in CBS Post office, valid login credentials. The customer have to have a single or Joint ‘B’ type account to be eligible for the equal.

Conditions to be fulfilled prior to availing the POS cellular app provider:

Availability of valid Email-identification, PAN, precise mobile wide variety
Updated CIF or patron ID Valid identity evidence, cope with proof, modern-day address

Post office in India provides a saving bank account for the individual. The name of the account is the Post Office Saving Account. The main benefit of a post office savings account is the entire scheme is backed by the government of India. The post office has very good reach and it is available in the remote and rural area also. Post Office Saving Account can be open online as well as offline. If you are keen to know about post office savings account this post is for you. In this post, I will share key features, benefits and method to open post office savings account and activate it online.

How to open a post office account

Post Office Savings Account – Key Features

Key Features of Post office savings account are given below.

  • A scheme backed by the government of India
  • Saving account can be opened and operated at all post offices in the country
  • The returns on the deposit is fixed 4% as of now
  • The account can be opened individually or jointly
  • Minimum balance required in the account with cheque facility is Rs.500
  • A minimum of one transaction in 3 financial years is required to keep account active.
  • The interest is calculated monthly and credited to account annually.
  • Any Indian resident above 10 years of age can open and operate post office saving account.

How to open a Post Office Savings Account and activate online?

#1 You need to fill up account opening form in order to open post office saving account. You will get account opening form at the nearest post office branch. You can also download this form online from the post office website. The link for downloading form is given below.

#2 Fill up the post office saving account opening form. Submit the duly filled and signed application form along with the required KYC documents and two passport size photographs. You need to submit your ID proof and address proof.

#3 Pay minimum amount for opening saving bank account. You need to pay Rs.20 for account without cheque book facility and Rs.500 for account with cheque book facility.

#4 On submission of form along with account opening deposit your saving account will be opened in two business days.

How to activate post office savings account online?

Once your post office account is opened you need to activate it online. Once your account is activated you can access your account online by using User ID and password. Follow the steps given below to activate your account online.

  • Visit Indian Post office website and click on Net Banking.
  • Click on the “New User Activation’.
  • You need to enter Customer ID and Account ID and press continue button.
  • You will get “User ID” on screen on activation of your account.
  • You can login to ebanking post office portal using User ID and password.
  • After login to the portal, you can access your saving account and check balance and perform other banking activities.

How to check Post Office Savings Account Balance?

There are three ways to check post office savings account balance.

#1 Online on the Portal

You can check balance of your post office account by login to post office portal. You require User ID and password in order to access your saving bank account.

#2 Missed Call

To know your balance information, you can use missed call facility. Give a missed call to 8424046556 to know balance information. You can also get account statement by dialing 8424026886. Your mobile number should be registered with post office saving bank account.

#3 SMS

You can also get balance information by using SMS facility. You need to send text message ‘BAL’ with last four digits of your account number to 32302. You will get account balance via SMS.

Amit, a young professional, earning Rs. 25, 000 per month is looking for an investment option with fixed returns. As a precautionary step, he prefers to invest in something that will give him reasonable returns and where there isn’t any lump sum amount involved.

He has no savings but a steady monthly income. So, he decides to do a quick analysis of the available investment options on the internet and finds that investing in a Recurring Deposit (RD) could be a smart choice!

Amit, however, is not sure about the rules, benefits and other features of a Recurring Deposit. Are you in the same situation as him? Let’s start.

What’s a Recurring Deposit?

A term deposit of a special kind, Recurring Deposits offer fixed interest returns on periodic, regular investments with a fixed maturity period. These periodic investments can be monthly or quarterly. You can choose to open a Recurring Deposit in a bank or a post office.

If you plan to open a Recurring Deposit in a bank you can enjoy a flexible tenure, whereas a postal Recurring Deposit has a fixed tenure of five years. The postal RD earns a decent interest rate of 8.4% and is compounded on a quarterly basis.

Features of a Post Office RD

  • You can open a Recurring Deposit account either individually or jointly with a co-investor.
  • The minimum amount you can invest is Rs. 10.
  • It offers a fixed rate of return for the entire duration of the deposit, unlike in a bank RD where the interest rate keeps fluctuating.
  • You can withdraw up to 50% of the total amount after a year.
  • On premature closure after a year, you will only earn 3.5% interest (similar to a Post Office Savings Account).
  • You can choose to transfer the RD account from one post office to another.
  • You can open multiple postal RDs which are operated either individually or jointly.
  • You also have the option to convert a single account to a joint account and vice versa.
  • Any delay in deposits will incur a default fee of 5 paise for every Rs. 5 deposited to the account. Also, in case of four consecutive defaults, the account will be discontinued and can be revived only after two months.

How to Open a Recurring Deposit in a Post Office?

In order to open a postal RD account, you will not require a huge list of documents. Here’s what you need:

  • Duly filled and signed RD form.
  • Pay-in slip and specimen signature slip.

In case of senior citizens, separate forms may be required which you can collect from the post office.

Payment procedure

  • In case a postal RD is opened from the 1st to 15th of the month – subsequent deposits can be up to the 15th of every month.
  • If an account is opened on the 16 th or towards the end of the month– subsequent deposits can be made up to the end of the month.
  • In case of monthly deposits made via cheque, the date of credit of the cheque shall be treated as the date of deposit.
  • In case of default payments, it is compulsory to pay the money for the defaulted months along with a default fee, before making any fresh deposits.

Advantages of Recurring Deposits in a Post Office:

  • Regular monthly investment with no burden of a lump sum investment.
  • Fixed rate of interest and reasonable returns.
  • Safe investment option as post offices work under the government.
  • Suitable for investors with a low risk appetite.
  • Ideal for low income group individuals as it helps increase savings.

Recurring Deposits with a post office, work as a small, regular investment option which converts into a big amount at the end of the tenure. The only drawback is that you cannot do an online balance transfer or make deposits every month to your postal RD account. But, think of the higher returns that it offers as opposed to bank RDs. You can surely walk the distance to the nearest post office!