In a significant move to make small savings schemes more accessible, India Post has expanded its digital services to include Aadhaar-based e-KYC and biometric authentication for opening and managing Recurring Deposit (RD) and Public Provident Fund (PPF) accounts. This step means millions of customers can now enjoy hassle-free, paperless banking right at their nearest post office.
Until recently, Aadhaar e-KYC at post offices was available only for selected schemes like Monthly Income Scheme (MIS), Time Deposit (TD), Kisan Vikas Patra (KVP), and National Savings Certificate (NSC). However, starting 27 June 2025, India Post has rolled out this facility for RD and PPF accounts as well, under its Core Banking Solution (CBS) network.
This expansion follows the earlier success of e-KYC services for new savings accounts, which began on 6 January 2025. That initiative made it easier for customers to open personal Post Office Savings Accounts (POSA) without the need for lengthy paperwork.
With Aadhaar-based e-KYC, customers no longer need to submit physical documents while opening an account, making deposits, or withdrawing money. It eliminates the hassle of filling out multiple forms and standing in long queues with photocopies of ID proofs.
According to India Post’s circular issued on 7 July 2025, the new system will enable these digital services across all CBS-enabled post offices in the country. This means anyone looking to open an RD or PPF account can now do so swiftly using just their Aadhaar number and biometric verification.
Here’s what you can do with the newly expanded e-KYC facility:
✅ Open RD and PPF Accounts Paperlessly: No need for separate documents; Aadhaar biometric authentication does it all.
✅ Deposit Money Easily: Make deposits directly with biometric authentication — no deposit slips required.
✅ Take Loans on RD and PPF: Customers can open loan accounts linked to their RD or PPF and even repay them using biometric verification.
✅ Faster Transactions: From account opening to deposits and withdrawals, all processes are faster and more secure.
Opening an RD or PPF account using this new digital process is simple:
Visit any CBS-enabled post office.
Provide your Aadhaar number and give consent for e-KYC.
Authenticate your fingerprint — the staff will fetch your KYC details directly from the Aadhaar database.
Fill in basic details like account type, initial deposit amount, and nomination.
Complete a final biometric verification to authenticate the transaction.
That’s it! Your account is opened without submitting a single physical document.
For deposits or withdrawals, just:
Tell the staff your account number and the transaction amount.
Your fingerprint will be authenticated for instant approval.
The transaction gets processed immediately — no need for deposit slips or vouchers.
This shift to paperless and biometric-based transactions reflects India Post’s larger mission to promote financial inclusion and make banking more convenient for every citizen, especially in rural and semi-urban areas where many customers struggle with documentation.
By leveraging Aadhaar’s robust digital identity framework, the Department of Posts is bridging the gap between traditional and digital banking — ensuring secure, faster, and more transparent services.
With this initiative, opening and managing your small savings accounts is now as easy as a fingerprint scan. So, whether you’re looking to secure your future with a PPF account or want the disciplined savings habit of an RD, your nearest post office is ready to help you do it — no paperwork needed!
