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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.

About this guidePending verification

Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.

Where:At the officeBy phone

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.

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?
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?
How do you want to open the IPPB account?

Your answers stay on this phone.

2Documents you need

Tick the ones you have. They are kept in this browser.

  • Details

    If you don't have it: Ask for it at the post office.

    Sources: 1, 4

  • Details

    One of each person opening the account.

    Sources: 4, 1

  • If you don't have it: → Getting a new Aadhaar
    Details

    If you do not have Aadhaar yet, proof that you applied for Aadhaar enrolment is accepted. Then give the Aadhaar number within six months of opening; until you do, the account stops working.

    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

  • If you don't have it: → New PAN card
    Details

    Without PAN, Form 60 of the Income Tax Rules. If later the balance goes over ₹50,000, or deposits in a financial year go over ₹1 lakh, or withdrawals and transfers in a month add up to more than ₹10,000, give your PAN within two months; until you do, the account stops working.

    Sources: 5, 7

  • If you don't have it: → Birth certificate
    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, naming you (for a child's account, the child) under any welfare scheme. The postmaster checks the copy against the original.

    Sources: 3

  • Details

    Sources: 11, 13

  • Details

    Sources: 13

  • Details

    Sources: 14

    3Your steps

    · Do them in order. Tick each one when it is done.

    If something goes wrong
    1. Do this now

      Go to your nearest post office.

      Everyone opening the account must go in person.

      Where
      Post office

      Sources: 4, 7

    2. Do this now

      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). 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.

      Where
      Post office

      Sources: 1, 4, 5, 7, 22, 23

    3. Do this now

      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.

      Where
      Post office

      Sources: 6

    4. Do this now

      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.

      Where
      Post office

      Sources: 1, 7

    5. Do this now

      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.

      Where
      Post office

      Sources: 1, 7

    6. Do this now

      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.

      Where
      Post office
      Fee
      Free

      Sources: 3

    7. Do this now

      Once the account is open, collect the passbook.

      Have it updated after deposits and withdrawals, and keep it safe.

      Where
      Post office

      Sources: 1, 7

    8. Do this now

      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 for each quarter; this rate is for the quarter ending 31 December 2026, so check the figure after that.

      Where
      Post office
      Fee
      ₹50 a year (including GST) if the balance is under ₹500

      Sources: 1, 3, 7, 8

    9. Do this now

      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 for each quarter; this rate is for the quarter ending 31 December 2026, so check the figure after that.

      Where
      Post office
      Fee
      ₹50 a year (including GST) if the balance is under ₹500

      Sources: 1, 3, 7, 8

    10. Do this now

      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.

      Where
      Post office
      Fee
      ATM card ₹125 + GST a year. 10 cheque leaves free a year, then ₹2 a leaf.

      Sources: 7, 3, 1

    11. Do this now

      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.

      Where
      Post office
      Fee
      Free

      Sources: 1, 7

    12. Do this now

      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.

      Where
      Post office

      Sources: 7

    13. Do this now

      To have Aadhaar seeded (linked) to the account, hand in the form for it at the post office.

      Where
      Post office

      Sources: 7

    14. Do this now

      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.

      Where
      IPPB customer care
      Fee
      Free · No charge for opening a new account at your doorstep.

      Sources: 11, 12

    15. Do this now

      Go to your nearest IPPB access point or post office and ask for an IPPB savings account.

      Where
      IPPB access point or post office

      Sources: 11, 13, 10

    16. Do this now

      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.

      Where
      Post office
      Fee
      Free

      Sources: 11, 10

    17. Do this now

      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.

      Where
      IPPB mobile app

      Sources: 13

    18. Do this now

      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.

      Where
      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. 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: 13, 20

    19. Do this now

      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.

      Where
      Post office

      Sources: 14

    20. Do this now

      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.

      Where
      Post office

      Sources: 15

    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, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays).

    India Post complaints · Open the official page

    18002666868

    Sources: 9

    If it is lateFor delays, such as a passbook not given or a deposit not showing, complain to India Post.

    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 in reasonable time, contact the Telangana Circle Nodal Officer (pgco.tl@indiapost.gov.in). 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) · Open the official page

    Sources: 9

    AlsoFor a problem with an IPPB account, call 155299 or 033-22029000.

    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, or you are not satisfied with the reply, complain to the RBI Ombudsman: online on cms.rbi.org.in, by email to crpc@rbi.org.in, or by post, with the signed complaint form and papers, to the Centralised Receipt and Processing Centre, Reserve Bank of India, Central Vista, Sector 17, Chandigarh - 160017. The number 14448 only explains how to complain; it does not take complaints on the phone.

    RBI Ombudsman (CMS) · Open the official page

    Sources: 16, 17, 21

    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

    18008899860

    Sources: 16

    AlsoIf your post office passbook is lost, apply at the post office where the account is for a duplicate passbook and pay the fee.

    If your post office passbook is lost, apply at the post office where the account is for a duplicate passbook and pay the fee. Under the rules the fee is ₹50, plus tax.

    The post office where the account is

    Sources: 4

    Official websites for this work

    All official websites →
    Find the office in your district →

    Related guides

    Report a mistake on this page
    The 23 official pages and papers this guide is written from
    1. 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), 4 (deposits, withdrawals, ₹500 minimum, maintenance fee), 5 (interest), 6 (pass book), 7 (cheque book), 8 (silent account), 9 (closure); Form-1 (12-12-2019) · read on 30-10-2026
    2. Post Office Savings Account (Amendment) Scheme, 2023 (G.S.R. 489(E), 3 July 2023), circulated with SB Order No. 16/2023Department 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
    3. SB Order No. 08/2021: "Basic Savings Accounts" under the Post Office Savings Account Scheme 2019 and reduction in account maintenance fee (G.S.R. 257(E), 9 April 2021)Department of Posts, Ministry of Communications, Government of India, Paras 2 (fee ₹50 including GST; none on Basic Savings Account) and 3 (i)–(xiii) (who may open, documents, facilities) (30-04-2021) · read on 30-10-2026
    4. 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 3(1)(g) (Non-resident Indian), 4(1), (3) and (4) (eligibility: resident citizens only; a depositor who becomes an NRI; one who ceases to be a citizen), 5 (opening: in person or electronically; Form 1 with proof of age of a minor and a recent passport-size photograph), the pass book rule (duplicate on loss), Schedule II (fees) (05-10-2018) · read on 30-10-2026
    5. 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, number within six months); PAN or Form 60 (PAN within two months of the stated events) (31-03-2023) · read on 30-10-2026
    6. 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 and 10 (single-type POSA opened on Aadhaar authentication; details fetched from UIDAI cannot be edited); date in force 06.01.2025 from SB Order No. 07/2025, para 2 (01-01-2025) · read on 30-10-2026
    7. India Post: Saving Schemes (Post Office Savings Account, Sukanya Samriddhi Account, interest table, FAQs, safety guidelines for investors)Department of Posts, Ministry of Communications, Government of India, Scheme details of "Post Office Savings Account (SB)" and "Sukanya Samriddhi Account (SSA)"; table "Post Office Small Savings Schemes (w.e.f 01.07.2026 to 30.09.2026)"; FAQs on ATM charges and on accounts with no ATM card; "Safety Guidelines For Investors". Page last updated 30.10.2026; the scheme details, FAQs and safety guidelines are in the script the page loads, read as saved on 31 October 2026 · read on 31-10-2026
    8. Office Memorandum F.No.1/4/2019-NS: revision of interest rates for Small Savings Schemes, third quarter of FY 2026-27Department of Economic Affairs, Ministry of Finance, Government of India, Para 1: rates for 1 October to 31 December 2026 unchanged from the second quarter (1 July to 30 September 2026) (30-09-2026) · read on 30-10-2026
    9. India Post: Guidelines for Registration of ComplaintsDepartment of Posts, Ministry of Communications, Government of India, Guidelines: online, at a post office, call centre 18002666868 (8 AM to 8 PM except gazetted holidays), within 60 days, Circle Nodal Officer, DPG; Annexure B: Circle Nodal Officer, Telangana (pgco.tl@indiapost.gov.in). Page last updated 30.10.2026 · read on 11-11-2026
    10. India Post: India Post Payments Bank (link to the bank's website)Department of Posts, Ministry of Communications, Government of India, Link "https://ippbonline.bank.in/" given as the India Post Payments Bank website · read on 30-10-2026
    11. IPPB: Regular Savings AccountIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Features, rates (2.00% up to ₹1 lakh, 2.25% above ₹1 lakh up to ₹2 lakh), doorstep opening through 155299 or 033-22029000, non-eKYC accounts at an IPPB branch · read on 30-10-2026
    12. IPPB: Doorstep BankingIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Doorstep Banking @ India Post Payments Bank (nil charge for new account opening at the doorstep; postmen and Gramin Dak Sevaks) · read on 30-10-2026
    13. IPPB: DigiSmart Savings AccountIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Key Terms & Conditions: eligibility, KYC within 12 months, ₹2,00,000 yearly deposit limit, closure charge, POSA linkage; rates · read on 01-11-2026
    14. IPPB: IPPB and POSA LinkageIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Linkage process and sweep facility (balance above ₹2 lakh moved to the linked POSA) · read on 30-10-2026
    15. 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
    16. IPPB: ComplaintsIndia Post Payments Bank Ltd (a payments bank of the Department of Posts, Government of India), Contact channels, escalation matrix (7 working days, circle nodal officer, principal nodal officer, Banking Ombudsman after 30 days), 1800 8899 860 for unauthorised transactions · read on 30-10-2026
    17. RBI Complaint Management System: Reserve Bank – Integrated Ombudsman Scheme, 2026Reserve Bank of India, Home page: filing a complaint; contact centre 14448 · read on 30-10-2026
    18. Reserve Bank of India (Payments Banks – Miscellaneous) Directions, 2025 (updated as on October 01, 2026)Reserve Bank of India, Chapter III, paragraph 13 (payments banks are not to accept NRI deposits) (28-11-2025) · read on 30-10-2026
    19. 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
    20. 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
    21. Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026 (updated as on July 01, 2026)Reserve Bank of India, FAQs 9 (complaints online on the CMS portal, by e-mail to crpc@rbi.org.in, or by post with the signed complaint form to the CRPC, Chandigarh), 10 and 11 (Contact Centre 14448 gives guidance; complaints cannot be filed through it) and 17 (after 30 days or an unsatisfactory reply) (01-07-2026) · read on 01-11-2026
    22. 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
    23. 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