Post office savings account, and India Post Payments Bank account

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 through the postman: the documents, the money to put in and the limits.
For whom: People in Telangana who want an account at the post office: adults on their own or two or three together, parents opening one for a child, and people who need an account to receive government scheme money.
Published on 30-10-2026. Not every fact has been checked against its official source yet: confirm at the office.

Only if

Which account do you want? Post office savings account (opened at the counter, with a passbook)
1.
Go to your nearest post office. Everyone opening the account must go in person.
🏛️ Post office
2.
Fill in the account opening form (Form-1) and hand it in with the documents. Be sure to give a mobile number and a nominee (up to four).
🏛️ Post office
📎 Account opening form (Form-1), 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 by paperless e-KYC. Your name, date of birth and address are taken from Aadhaar with your fingerprint and cannot be changed at the counter. If Aadhaar has a mistake, get Aadhaar corrected first.
🏛️ Post office

Only if

Are you (or, for a child's account, the child) registered under a government welfare scheme, with a card or letter from a government department that shows the name? No
4.
Put in at least ₹500 to open the account. After that you can deposit any time (at least ₹10 at a time), with no upper limit.
🏛️ Post office

Only if

Are you (or, for a child's account, the child) registered under a government welfare scheme, with a card or letter from a government department that shows the name? Yes, I have the card or letter
5.
Ask for a "Basic Savings Account". It can be opened with zero balance, and the yearly maintenance fee does not apply to it. It is for one person only, and each person may have only one. It can be opened at any post office, including a village branch post office. Government benefits and 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)
6.
Once the account is open, collect the passbook. Have it updated after deposits and withdrawals, and keep it safe.
🏛️ Post office

Only if

Are you (or, for a child's account, the child) registered under a government welfare scheme, with a card or letter from a government department that shows the name? No
7.
Always keep at least ₹500 in the account. If the balance falls below ₹500 at any time between the 10th and the end of a month, no interest is paid 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 is closed automatically. Interest from 1 October to 31 December 2026 is 4% a year. The Finance Ministry announces the rates every quarter.
🏛️ Post office
💰 Fee: ₹50 a year (including GST) if the balance is under ₹500

Only if

Which account do you want? Post office savings account (opened at the counter, with a passbook)
8.
For an ATM card, a cheque book or internet banking, ask at the post office and fill in the form. ATM cards and net banking are not given for children's accounts or "Joint A" accounts (run by all holders together). A Basic Savings Account needs at least ₹500 kept in it for these.
🏛️ Post office
💰 Fee: ATM card ₹125 + GST a year. 10 cheque leaves free a year, then ₹2 a leaf.
9.
If there is no deposit or withdrawal for three full years, the account becomes "silent". To use it again, apply at the post office with the passbook and fresh KYC documents.
🏛️ 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
10.
When the child turns 18, give a new account opening form and fresh KYC documents at the post office to convert the account into an adult account.
🏛️ Post office

Only if

Which account do you want? Post office savings account (opened at the counter, with a passbook)
11.
To have Aadhaar seeded (linked) to the account, hand in the form for it at the post office.
🏛️ Post office

Only if

How do you want to open the IPPB account? The postman comes to my home
12.
Call IPPB on 155299 (or 033-22029000) and ask for an account to be opened at your home. A postman or Gramin Dak Sevak (GDS) will come to you. The call is charged as per your telecom plan.
📞 IPPB customer care
💰 Fee: Free · No charge for opening a new account at your doorstep.

Only if

How do you want to open the IPPB account? I will go to the post office
13.
Go to your nearest post office (an IPPB access point) and ask for an IPPB savings account.
🏛️ 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
14.
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.
🏛️ Post office
📎 Aadhaar
💰 Fee: Free

Only if

How do you want to open the IPPB account? Myself, on the IPPB phone app (18 or older, with Aadhaar and PAN)
15.
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. Total deposits into this account are limited to ₹2,00,000 a year. Interest is 2.00% a year.
✋ IPPB mobile app
📎 Aadhaar, PAN card
16.
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.
🏛️ 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 the same page says there is no extra fee, and in another that the yearly charge is ₹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 also open it at your home)
17.
An IPPB account can hold up to ₹2 lakh at the end of the day. If you have a post office savings account, have it linked to your IPPB account; money above ₹2 lakh then moves to it automatically. Show its passbook to the postman or at the counter. A DigiSmart account can be linked only after its KYC is done.
🏛️ Post office
📎 Post office savings account passbook (only if you want to link it)
18.
To receive government benefits (DBT) in your IPPB account, ask for Aadhaar seeding in the IPPB app or at the nearest post office. It is confirmed with your fingerprint, or an OTP sent to the mobile linked to your Aadhaar.
🏛️ Post office

Documents you need

If you don't have it:
Ask for it at the post office.
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.
If you don't have it:
→ New PAN card
If you don't have it:
→ Birth certificate

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, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays).
India Post complaints
indiapost.gov.in ↗📞 18002666868
If it is late
For delays, such as a passbook not given or a deposit not showing, complain to India Post. Complain after the time set for that service has passed and within 60 days of the transaction. If it is not settled, contact the Circle Nodal Officer; if still not settled, complain to the Directorate of Public Grievances (DPG) of the Government of India on its website.
Directorate of Public Grievances (DPG)
dpg.gov.in ↗
Also
For a problem with an IPPB account, call 155299 or 033-22029000. If it is not resolved in 7 working days, go to the branch manager, then the circle nodal officer, then the principal nodal officer. If it is still not resolved 30 days after you complained, complain online to the RBI Ombudsman, or call 14448.
RBI Ombudsman (CMS)
cms.rbi.org.in ↗📞 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, apply at the post office where the account is for a duplicate passbook.
The post office where the account is
Not confirmed: Under the 2018 rules a duplicate passbook costs ₹50 plus tax. Ask the post office for the current fee.
→ Getting lost documents again→ Report a cyber fraud→ Old-age pension (Cheyutha)→ PM-KISAN (₹6,000 a year for farmers)→ Linking Aadhaar to your bank account (DBT seeding)→ Opening a bank account (Jan Dhan / zero-balance account)→ Sukanya Samriddhi Account (for a girl)→ Senior Citizens' Savings Scheme (SCSS)
Updated on 30-10-2026
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