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.
About this guidePending verification
Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.
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.
Answer the questions below first. Then the documents and steps open.
1Your situation
We show only what your answers need.
- Which of these are you?
- Which account do you want?
- In whose name will the account be?
- 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?
- How do you want to open the IPPB account?
Your answers stay on this phone.
Each step below says who it is for. Confirm yours at the office, then change your answer here.
This route does not apply to your situation
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. These rules count you as an NRI if you are not a 'resident' under the Income Tax Act, even if you are in India now (Government Savings Promotion General Rules 2018, rule 3(1)(g)). If you have recently come back from abroad, check your tax residence before you open the account.
Sources: 4, 8, 16
This route does not apply to your situation
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.
Sources: 4, 8, 19
2Documents you need
Tick the ones you have. They are kept in this browser.
Details
If you don't have it: Ask for them at the post office counter.
Sources: 1, 4, 8
Details
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.
One of each person opening the account; it is pasted on the form.
Sources: 4, 1
Details
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.
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.
Sources: 5, 1
Details
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.
Sources: 5, 8
Details
A certificate showing the date of birth. The form asks for its number, date of issue and issuing authority.
Sources: 4, 1
Details
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.
Sources: 3
Details
Sources: 10, 12
Details
Sources: 12
Details
Sources: 13
Nothing to get ready before these steps.
3Your steps
· Do them in order. Tick each one when it is done.
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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.
Sources: 8, 4
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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. These rules count you as an NRI if you are not a 'resident' under the Income Tax Act, even if you are in India now (Government Savings Promotion General Rules 2018, rule 3(1)(g)). If you have recently come back from abroad, check your tax residence before you open the account: only a resident citizen of India may open one (rule 4(1)). The income-tax law counts you as resident for a tax year (1 April to 31 March) if you are in India for 182 days or more in that year, or for 60 days or more in that year and 365 days or more in the four years before it (Income-tax Act, 2025, section 6(2)). It has other conditions too, for citizens who left for a job abroad, citizens on a visit to India and some people with income above ₹15 lakh; if you are not sure, check the Income Tax Department's page on non-residents.
Sources: 1, 4, 5, 8, 20, 21
- Do this nowIf: Mine alone (18 or older)
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.
Not confirmed
The orders we read do not say whether village branch post offices open e-KYC accounts; ask at your post office.
Sources: 6, 7
- Do this nowIf: No
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.
Sources: 1, 8
- Do this nowIf: Two or three adults together / A child of 10 or older, in the child's own name
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.
Sources: 1, 8
- Do this nowIf: Yes, I have the card or letter
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.
Sources: 3
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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.
Sources: 1, 8
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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.
Sources: 8
- Do this nowIf: No
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.
Sources: 1, 3, 8
- Do this nowIf: Two or three adults together / A child of 10 or older, in the child's own name
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.
Sources: 1, 3, 8
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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.
Sources: 8, 3, 1
- Do this nowIf: Post office savings account (opened at the counter, with a passbook)
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.
Sources: 1, 8
- Do this nowIf: A child's, opened by a parent or guardian / A child of 10 or older, in the child's own name
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.
Sources: 8
- Do this nowIf: The postman comes to my home
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.
Not confirmed
IPPB says it will try its best, depending on the postmen's free slots; the date is not guaranteed.
Sources: 10, 11
- Do this nowIf: I will go to the post office
Go to your nearest IPPB access point or post office and ask for an IPPB savings account.
Sources: 10, 12
- Do this nowIf: The postman comes to my home / I will go to the post office
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.
Sources: 10
- Do this nowIf: Myself, in the IPPB phone app (18 or older, with Aadhaar and PAN)
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.
Sources: 12
- Do this nowIf: Myself, in the IPPB phone app (18 or older, with Aadhaar and PAN)
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.
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. The address of IPPB's Premium Savings Account page now opens the charges page of the "Saksham Yuva Savings Account", which lists ₹149 + GST for opening and ₹99 + GST for the yearly renewal; it does not say which applies when a DigiSmart account is upgraded. Ask when you do the KYC.
Sources: 12, 18
- Do this nowIf: India Post Payments Bank (IPPB) account (with Aadhaar; the postman can open it at your home)
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 into it by itself. Show that account's passbook to the postman or at the counter; an SMS comes once it is linked. A DigiSmart account can be linked only after its KYC is done.
Sources: 13, 16, 12
- Do this nowIf: India Post Payments Bank (IPPB) account (with Aadhaar; the postman can open it at your home)
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.
Sources: 14
If something goes wrong
If it is rejectedIf the post office refuses to open the account, ask the postmaster why.
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
Sources: 9
If it is lateFor 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.
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
Sources: 9
AlsoFor a problem with an IPPB account, complain by calling 155299 or 033-22029000, or at an IPPB outlet.
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
Sources: 15, 17
AlsoIf 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.
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
Sources: 15
AlsoIf 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.
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
Sources: 4, 8
Official websites for this work
- India Post Savings schemes and complaints
- RBI Ombudsman Complain about a bank
Related guides
The 21 official pages and papers this guide is written from
- Post Office Savings Account Scheme, 2019 (G.S.R. 921(E), 12 December 2019), as published by India PostDepartment of Economic Affairs, Ministry of Finance, Government of India, Paras 3 (who may open; one single account), 4 (₹500 to open, ₹10 deposits, no maximum, no withdrawal below ₹500, maintenance fee), 5 (4% interest; none for a month below ₹500 between the 10th and month end), 6 (pass book), 7 (ten cheque leaves free a year, then ₹2 a leaf), 8 (silent account); Form-1 (12-12-2019) · read on 30-10-2026
- Post Office Savings Account (Amendment) Scheme, 2023 (G.S.R. 489(E), 3 July 2023), circulated with SB Order No. 16/2023 of 18.07.2023Department of Economic Affairs, Ministry of Finance, Government of India, G.S.R. 489(E), para 2: joint account of up to three adults (03-07-2023) · read on 30-10-2026
- SB Order No. 08/2021: "Basic Savings Accounts" under the Post Office Savings Account Scheme 2019 and reduction in account maintenance fee (with G.S.R. 257(E), 9 April 2021)Department of Posts, Ministry of Communications, Government of India, Paras 2 (maintenance fee ₹50 including GST; none on a Basic Savings Account) and 3 (i)–(xiii) (who may open, documents, facilities, ₹500 for cheque book and ATM card) (30-04-2021) · read on 30-10-2026
- Government Savings Promotion General Rules, 2018 (G.S.R. 1003(E), 5 October 2018), as published by India PostDepartment of Economic Affairs, Ministry of Finance, Government of India, Rules 4 (resident citizens only; a minor from ten; an account holder who becomes an NRI or stops being a citizen), 5 (Form 1, proof of age of a minor, a recent passport size photograph; illiterate and blind depositors), 14 (up to four nominees), Schedule II (duplicate pass book ₹50, plus tax); rule 3(1)(g) (Non-resident Indian: not a resident under the Income Tax Act) (05-10-2018) · read on 30-10-2026
- Government Savings Promotion General (Amendment) Rules, 2023 (G.S.R. 238(E), 31 March 2023), circulated with SB Order No. 08/2023Department of Economic Affairs, Ministry of Finance, Government of India, New rule 6(1): Aadhaar number (or proof of enrolment, then the number within six months); PAN or Form 60 (PAN within two months of the stated events) (31-03-2023) · read on 30-10-2026
- SB Order No. 01/2025: paperless KYC (e-KYC) and POSB account opening through Aadhaar biometric authenticationDepartment of Posts, Ministry of Communications, Government of India, Paras 1, 3 (name, care-of name, date of birth, gender and address fetched from UIDAI cannot be edited) and 10 (only single-type POSA, including Basic Savings Account) (01-01-2025) · read on 30-10-2026
- SB Order No. 07/2025 (addendum): extension of e-KYC to MIS, TD, KVP and NSC accountsDepartment of Posts, Ministry of Communications, Government of India, Para 2: Aadhaar e-KYC for opening single, individual POSA in all departmental post offices from 06.01.2025 (30-04-2025) · read on 30-10-2026
- India Post: Saving Schemes (Post Office Savings Account details, FAQs on Banking, Safety Guidelines for Investors)Department of Posts, Ministry of Communications, Government of India, "Post Office Savings Account (SB)": 4% a year; Eligibility (resident citizen; joint A and B; note on turning 18); Deposit and Withdrawal; Nomination; Silent Account (free revival); Additional Facilities. FAQs on opening (AOF, KYC, pay-in slip SB 103), ATM charges (₹125 + GST a year) and accounts with no ATM card or net banking. Safety Guidelines 2–4 and 9–13. Page last updated 19.10.2026 · read on 30-10-2026
- India Post: Guidelines for Registration of ComplaintsDepartment of Posts, Ministry of Communications, Government of India, Guidelines (online, at a post office, call centre 18002666868 from 8 AM to 8 PM except gazetted holidays, within 60 days, Circle Nodal Officer, DPG); Annexure B: Circle Nodal Officer, Andhra Pradesh (pg.ap@indiapost.gov.in, 9491003332). Page last updated 19.10.2026 · read on 30-10-2026
- IPPB: Regular Savings AccountIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Features (paperless opening with Aadhaar; non-eKYC accounts at an IPPB branch; zero balance; no minimum balance; can be linked to POSA); rates (2.00% up to ₹1 lakh, 2.25% above ₹1 lakh up to ₹2 lakh, paid quarterly); 155299 or 033-22029000 for doorstep opening · read on 30-10-2026
- IPPB: Doorstep BankingIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Doorstep Banking (nil charge for new account opening at the doorstep); Doorstep Request Submission Process (call 155299 or 033-22029000, or ask the GDS, postman or post office; T+2 to T+10; 11:00 AM to 4 PM) · read on 30-10-2026
- IPPB: DigiSmart Savings AccountIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Key Terms & Conditions: eligibility (18 or above, Aadhaar, PAN, Aadhaar-linked mobile), KYC within 12 months, upgrade charge, ₹2,00,000 yearly deposit limit, closure charge ₹150 + GST, POSA linkage after KYC; rate 2.00% · read on 01-11-2026
- IPPB: IPPB and POSA LinkageIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Linkage process (active individual POSA; at opening or later; show the POSA passbook; SMS on linkage); day-end balance above ₹2 lakh moved to POSA; not with a Digital savings account until converted · read on 30-10-2026
- IPPB: Direct Benefit TransfersIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), "How Aadhaar Seeding Works", steps 1–4 · read on 30-10-2026
- IPPB: ComplaintsIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Channels (155299 or 033-22029000; 1800 8899 860 for unauthorised transactions or blocking a debit card); escalation matrix (7 working days to the branch manager, 7 more to the circle nodal officer, 9 more to the principal nodal officer; Banking Ombudsman after 30 days) · read on 30-10-2026
- Reserve Bank of India (Payments Banks – Miscellaneous) Directions, 2025 (updated as on October 01, 2026)Reserve Bank of India, Paragraphs 11 (maximum day-end balance ₹2,00,000 per individual customer) and 13 (no NRI deposits to be accepted by payments banks) · read on 30-10-2026
- Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, FAQs 9 (CMS portal), 10 (contact centre 14448), 17 (after 30 days), 21 (no fee) (01-07-2026) · read on 30-10-2026
- IPPB: Service Charges / Fees for Saksham Yuva Savings Account (IPPB's Premium Savings Account address now opens this page)India Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Account Opening/Subscription Charges (INR 149 + GST); Annual Renewal Charges (INR 99 + GST); note on an SBPRM account downgraded when renewal charges are unpaid for 90 days. https://ippbonline.bank.in/web/ippb/premium-savings-account redirects here (seen 2026-11-01). Nothing on the page about an account upgraded from DigiSmart · read on 01-11-2026
- Notification S.O. 1050(E), 4 March 2021: rights of an Overseas Citizen of India (OCI) cardholder, under section 7B(1) of the Citizenship Act, 1955 (Gazette of India Extraordinary, Part II, Section 3(ii), No. 962)Ministry of Home Affairs, Government of India, Rights (1)–(4); right (5) (in all other economic, financial and educational fields not named, the same rights and privileges as a foreigner); Explanation (1) (an OCI cardholder is a foreign national holding a foreign passport and is not a citizen of India) (04-03-2021) · read on 30-10-2026
- The Income-tax Act, 2025 (No. 30 of 2025)Parliament of India; Gazette of India, Sections 3(1) (tax year) and 6(2) to 6(7) (residence of an individual) (21-08-2025) · read on 10-11-2026
- Non Resident FAQs (e-filing portal)Income Tax Department, Government of India, Questions 1 to 5, 7 and 10 (the conditions are those of section 6(1) of the 1961 Act; residence is assessed for each tax year) · read on 10-11-2026