తెలుగు

Everyday tasks

Post office savings account, and India Post Payments Bank account
How to open a savings account at the post office, or an India Post Payments Bank (IPPB) account that the postman can open at your home: the papers, the money and the limits.
For whom: People in Andhra Pradesh who want an account at the post office: adults alone or two or three together, parents or guardians opening one for a child, and people who need an account to receive scheme money.
Published on 30-10-2026. Not every fact has been checked against its official source yet: confirm at the office.
Answer a few questions to see which steps apply to you. The whole guide is below.

Documents you need

•
Account opening form (Form-1), with the pay-in slip (SB 103)
original
If you don't have it:
Ask for them at the post office counter.
•
A recent passport size photograph
original
One of each person opening the account; it is pasted on the form.
📷 What the photo must look like
• It must be a recent photograph.
Not confirmed: The rules say only "a recent passport size photograph"; they give no measurements, background or colour. Ask the post office what kind of photo it wants, and how many.
•
Aadhaar number
copy
If you do not have Aadhaar yet, proof that you applied for enrolment will do; give the Aadhaar number within six months of opening, or the account stops working until you do.
If you don't have it:
→ Getting a new Aadhaar
Not confirmed: For a child's account the rules do not say clearly whether the child's Aadhaar, the guardian's, or both are needed. Ask at the post office.
•
PAN card, or Form 60
copy
Without PAN, give Form 60 of the Income Tax Rules. If later the balance ever goes over ₹50,000, or the deposits in a financial year add up to more than ₹1 lakh, or withdrawals and transfers in a month add up to more than ₹10,000, give your PAN within two months; otherwise the account stops working until you do.
If you don't have it:
→ New PAN card
•
Proof of the child's date of birth
copy
A certificate showing the date of birth. The form asks for its number, date of issue and issuing authority.
•
Welfare scheme card or letter
original and a copy
Issued by a State or Central government department, showing your name (for a child's account, the child's) under any welfare scheme. The postmaster compares the copy with the original and signs it; give a copy of your Aadhaar and the KYC form with it.
•
Aadhaar
original
If you don't have it:
→ Getting a new Aadhaar
•
PAN card
original
If you don't have it:
→ New PAN card
•
Post office savings account passbook (only to link that account)
original

Steps

Only if
Which account do you want? Post office savings account (opened at the counter, with a passbook)
1.
Go in person to your nearest post office. A depositor who cannot read or cannot see must go in person so that the signature or thumb impression can be checked, with someone the post office knows; the staff should help fill in the forms.
🏛️ Post office
2.
Fill in the account form (Form-1) and the pay-in slip (SB 103) and hand them in with the documents. A mobile number and a nominee are required; you can name up to four nominees.
🏛️ Post office
📎 Account opening form (Form-1), with the pay-in slip (SB 103), A recent passport size photograph, Aadhaar number, PAN card, or Form 60, Proof of the child's date of birth
Only if
In whose name will the account be? Mine alone (18 or older)
3.
If you have Aadhaar, you can ask for the account to be opened paperless with your Aadhaar fingerprint (e-KYC); this is for single accounts (including the Basic account), at departmental post offices. Your name, father's or husband's name, date of birth, gender and address come from Aadhaar and cannot be changed at the counter. If Aadhaar has a mistake, get Aadhaar corrected first.
🏛️ Post office
Not confirmed: The orders we read do not say whether village branch post offices open e-KYC accounts; ask at your post office.
Only if
Is your name (for a child's account, the child's) registered under a government welfare scheme, with a card or letter from a government department that shows it? No
4.
Open the account with at least ₹500. After that you can deposit any amount from ₹10, with no upper limit. Withdrawals are ₹50 or more.
🏛️ Post office
Only if
In whose name will the account be? Two or three adults together / A child of 10 or older, in the child's own name
5.
Open the account with at least ₹500. After that you can deposit any amount from ₹10, with no upper limit. Withdrawals are ₹50 or more.
🏛️ Post office
Only if
Is your name (for a child's account, the child's) registered under a government welfare scheme, with a card or letter from a government department that shows it? Yes, I have the card or letter
6.
Ask for a "Basic Savings Account". It needs no opening deposit and no minimum balance, and no maintenance fee is charged. It is for one person only, and each person can have only one. It can be opened at any post office, including a village branch post office. Government benefits and your other deposits can be paid into it.
🏛️ Post office
📎 Welfare scheme card or letter
💰 Fee: Free
Only if
Which account do you want? Post office savings account (opened at the counter, with a passbook)
7.
Once the account is open, collect the passbook. Have it updated often at any CBS post office, and keep the passbook, cheques and ATM card safe: if someone misuses them, you bear the responsibility.
🏛️ Post office
8.
Check that an SMS comes to your mobile when the account is opened and for transactions (at the counter: withdrawals from ₹1,000, deposits from ₹2,000). If a suspicious SMS comes, contact the post office or the divisional office at once. You can check your balance by calling 1800 266 6868 from your registered mobile.
✋ You do this yourself
Only if
Is your name (for a child's account, the child's) registered under a government welfare scheme, with a card or letter from a government department that shows it? No
9.
Always keep at least ₹500; a withdrawal that takes the balance below ₹500 is not allowed. If the balance is under ₹500 at any time between the 10th and the end of a month, there is no interest for that month. If it is under ₹500 at the end of the financial year, ₹50 (including GST) is deducted; if the balance becomes nil, the account closes by itself. Interest is 4% a year, credited at the end of each financial year.
🏛️ Post office
💰 Fee: ₹50 (including GST) if the balance is under ₹500 at the end of the financial year
Only if
In whose name will the account be? Two or three adults together / A child of 10 or older, in the child's own name
10.
Always keep at least ₹500; a withdrawal that takes the balance below ₹500 is not allowed. If the balance is under ₹500 at any time between the 10th and the end of a month, there is no interest for that month. If it is under ₹500 at the end of the financial year, ₹50 (including GST) is deducted; if the balance becomes nil, the account closes by itself. Interest is 4% a year, credited at the end of each financial year.
🏛️ Post office
💰 Fee: ₹50 (including GST) if the balance is under ₹500 at the end of the financial year
Only if
Which account do you want? Post office savings account (opened at the counter, with a passbook)
11.
For an ATM card, a cheque book, Aadhaar seeding, or internet or mobile banking, hand in the form for it at the post office. ATM cards and net banking are not given for children's accounts or "Joint A" accounts (operated by all holders together). A Basic account must keep at least ₹500 for a cheque book, ATM card and the like. If you lose the ATM card, call 1800 266 6868 to block it.
🏛️ Post office
💰 Fee: ATM card upkeep ₹125 + GST a year. Ten cheque leaves free a year, then ₹2 a leaf.
12.
If there is no deposit or withdrawal for three financial years in a row, the account becomes "silent". To use it again, apply at the post office with the passbook and fresh KYC documents; there is no fee.
🏛️ Post office
💰 Fee: Free
Only if
In whose name will the account be? A child's, opened by a parent or guardian / A child of 10 or older, in the child's own name
13.
When the child turns 18, give a new account opening form and fresh KYC documents at the post office to turn it into an adult account.
🏛️ Post office
Only if
How do you want to open the IPPB account? The postman comes to my home
14.
Call IPPB on 155299 or 033-22029000 (or ask your Gramin Dak Sevak, postman or post office) and ask for an account to be opened at your home. You can pick a date from two to ten days after the request, and a time between 11 AM and 4 PM. The call is charged as per your telecom plan.
📞 IPPB customer care
💰 Fee: Free · No charge for opening a new account at your doorstep.
Not confirmed: IPPB says it will try its best, depending on the postmen's free slots; the date is not guaranteed.
Only if
How do you want to open the IPPB account? I will go to the post office
15.
Go to your nearest IPPB access point or post office and ask for an IPPB savings account.
🏛️ IPPB access point or post office
Only if
How do you want to open the IPPB account? The postman comes to my home / I will go to the post office
16.
Have the account opened paperless with your Aadhaar. It can be opened with zero balance, and there is no minimum balance. For an account without Aadhaar e-KYC, go to an IPPB branch. Interest: 2.00% a year up to ₹1 lakh, 2.25% above ₹1 lakh up to ₹2 lakh, paid every quarter.
🏛️ With the postman, or at the IPPB access point
📎 Aadhaar
💰 Fee: Free
Only if
How do you want to open the IPPB account? Myself, in the IPPB phone app (18 or older, with Aadhaar and PAN)
17.
Open a "DigiSmart" savings account in the IPPB mobile app. You must be 18 or older, with Aadhaar and PAN, and use the mobile number linked to your Aadhaar. In-payments to this account are limited to ₹2,00,000 a year in all. Interest is 2.00% a year.
✋ IPPB mobile app
📎 Aadhaar, PAN card
18.
Within 12 months of opening, complete KYC with your fingerprint at the nearest IPPB outlet or post office. If you do not, the account is closed automatically and a closure charge is taken.
🏛️ IPPB outlet or post office
💰 Fee: ₹150 + GST if the account is closed for want of KYC
Not confirmed: IPPB's page says the account becomes a "Premium Savings Account" after KYC; in one place it says there is no extra fee, and in another a yearly charge of ₹99 + GST. Ask when you do the KYC.
Only if
Which account do you want? India Post Payments Bank (IPPB) account (with Aadhaar; the postman can open it at your home)
20.
To get government scheme money (DBT) in your IPPB account, ask for Aadhaar seeding in the IPPB app or at the nearest post office and give your consent. It is confirmed with your fingerprint, or with an OTP sent to the mobile registered with your Aadhaar.
🏛️ Post office

You cannot get this

Only Indian citizens resident in India can open a post office savings account. Under RBI rules, payments banks such as India Post Payments Bank must not accept deposits from NRIs. So neither account can be newly opened while you live abroad.
Not confirmed: For someone who opened an account while living in India and later became an NRI, the rules say the account may continue until maturity on a non-repatriation basis; ask the post office where the account is how this applies to a savings account, which has no maturity.

You cannot get this

A post office savings account is only for Indian citizens. OCI cardholders and foreign nationals are not Indian citizens, so they cannot open one; if an account holder stops being an Indian citizen, the account is closed.
Not confirmed: The IPPB pages and RBI rules we read do not say whether OCI cardholders or foreign nationals can open an India Post Payments Bank (IPPB) account. Ask IPPB on 155299.

Fees and time limits

Step 6
💰 Free
Step 9
💰 ₹50 (including GST) if the balance is under ₹500 at the end of the financial year
Step 10
💰 ₹50 (including GST) if the balance is under ₹500 at the end of the financial year
Step 11
💰 ATM card upkeep ₹125 + GST a year. Ten cheque leaves free a year, then ₹2 a leaf.
Step 12
💰 Free
Step 14
💰 Free · No charge for opening a new account at your doorstep.
Step 16
💰 Free
Step 18
💰 ₹150 + GST if the account is closed for want of KYC

If something goes wrong

If it is rejected
If the post office refuses to open the account, ask the postmaster why. Then complain to India Post: on its website, at any post office (you get an acknowledgement), or to the call centre on 1800 266 6868 (8 AM to 8 PM, except gazetted holidays).
India Post complaints
Open the official page ↗
indiapost.gov.in · opens in a new tab
📞 18002666868
If it is late
For delays, such as a passbook not given or a deposit not showing, complain to India Post after the time set for that service has passed and within 60 days of the transaction. If it is not settled in reasonable time, contact the Andhra Pradesh Circle Nodal Officer (pg.ap@indiapost.gov.in). If still not settled, complain to the Directorate of Public Grievances (DPG) of the Government of India on its website.
India Post: Andhra Pradesh Circle Nodal Officer
Open the official page ↗
indiapost.gov.in · opens in a new tab
📞 9491003332
Also
For a problem with an IPPB account, complain by calling 155299 or 033-22029000, or at an IPPB outlet. If it is not resolved in 7 working days, go to the IPPB branch manager; after 7 more working days, to the circle nodal officer; after 9 more, to the principal nodal officer. If it is not resolved 30 days after you complained, or you are not satisfied, complain online, free of charge, to the RBI Ombudsman; 14448 explains how.
RBI Ombudsman (CMS portal)
Open the official page ↗
cms.rbi.org.in · opens in a new tab
📞 14448
Also
If you see a transaction you did not make in your IPPB account, or need to block your card, call the toll-free number 1800 8899 860 at once. Never tell anyone your OTP or PIN.
IPPB: unauthorised transactions
📞 18008899860
Also
If your post office passbook is lost, ask for a duplicate at the post office where the account is, on the form or in a handwritten application, and pay the fee; the head post office issues it. Under the rules the fee is ₹50, plus tax.
The post office where the account is

Related guides

→ Seeding Aadhaar to your bank account (for DBT)→ Opening a bank account (Jan Dhan / zero-balance account)→ Getting a new Aadhaar→ Updating your Aadhaar→ New PAN card→ Sukanya Samriddhi Account (for a girl)→ Report a cyber fraud
Updated on 30-10-2026
Sahayam is not a government service. We take no applications, documents or money.
About Sahayam
🏠 Home🔍 Search⚙️ Settings