In a big boost for digital banking and financial inclusion, the Department of Posts has launched a new Aadhaar-based paperless account opening system for key small savings schemes. Starting April 23, 2025, customers can now open accounts for schemes like Monthly Income Scheme (MIS), Time Deposit (TD), Kisan Vikas Patra (KVP), and National Savings Certificate (NSC) using just their Aadhaar number and fingerprint—no forms, no paperwork.
This initiative will significantly reduce queues and speed up the process at post offices, making it much easier for customers to invest.
Now, there's no need to fill forms or deposit slips to open these post office savings accounts. Simply walk in with your Aadhaar card, verify your identity via biometric fingerprint scan, and your account will be created digitally in minutes.
This paperless and secure method ensures faster processing and convenience, especially for senior citizens and rural users.
Visit your nearest post office.
Inform the counter staff that you want to open a savings account.
Provide your Aadhaar card.
Your fingerprint will be scanned to verify identity.
Enter the amount you wish to deposit.
Once again, your fingerprint will be verified to confirm the transaction.
That’s it—your account will be opened instantly and securely, without any paperwork.
This process is not only quick but also helps avoid errors often seen in manual form-filling.
The Postal Department has clarified that the paper-based account opening option will still remain available. Customers who prefer the traditional method can continue to fill physical forms and use deposit slips. The new Aadhaar-based digital option is simply an alternative—not mandatory.
The privacy of Aadhaar data remains a top priority. Even if Aadhaar numbers are visible on any receipt or document, only the last 4 digits will be visible. The remaining 8 digits will be blacked out by post office staff, ensuring data protection and confidentiality.
While account opening is the first step, the Postal Department is planning to expand biometric-based services further. In the near future, customers will also be able to use their Aadhaar and fingerprints to:
Close accounts
Transfer funds
Change nominee details
This push toward full digitization aims to make post office services more customer-friendly and modern.
Customers save time—no more standing in long queues.
Post office staff workload reduces, boosting overall efficiency.
Elderly and rural citizens benefit from an easy, tech-enabled system.
Investments in post office schemes become more accessible and secure.
The Post Office's new Aadhaar-enabled account opening service is a game-changer in simplifying public investments. With just a biometric scan, users can open accounts in popular small savings schemes in minutes. This move aligns with India’s ongoing push for Digital India and paperless governance.
Ready to invest? Just take your Aadhaar card and walk into your nearest post office. No forms, no hassle—just quick, secure service.
