In a big step towards hassle-free and digital banking, India Post has launched Aadhaar-based biometric e-KYC services for Recurring Deposit (RD) and Public Provident Fund (PPF) accounts. This means customers no longer need to fill any physical forms for opening accounts, deposits, withdrawals, or loans—just biometric verification through Aadhaar will do the job.
Until now, Aadhaar e-KYC was only available for:
Monthly Income Scheme (MIS)
Time Deposit (TD)
Kisan Vikas Patra (KVP)
National Savings Certificate (NSC)
But from now on, this facility is available nationwide for RD and PPF accounts as well.
With Aadhaar-based biometric authentication, customers can:
Open a new RD or PPF account
Deposit money into these accounts
Take a loan against RD or PPF
Repay loan EMIs
Withdraw from PPF (no limit on amount)
No more filling:
Pay-in slips
Withdrawal forms
SB-7 forms (if amount is transferred from Post Office Savings Account)
The amount mentioned during account opening will be treated as the initial deposit.
For customer privacy:
Aadhaar numbers will be shown in masked form (e.g., xxx-xxx-1234).
If a document shows the full Aadhaar number, post office staff have been instructed to hide the first 8 digits using a black pen.
This applies to:
Account opening forms
KYC forms
Aadhaar photocopies
First biometric scan: Used to get the customer's consent through Aadhaar e-KYC.
Second biometric scan: Used to authenticate transactions such as deposits or withdrawals.
No physical documentation is needed for credit/debit operations on RD or PPF accounts.
If transferring money from a Post Office Savings Account, no separate SB-7 form is needed if biometric verification is already completed.
India Post plans to add the following services digitally:
Account closure
Updating nominee information
Transferring account from one branch to another
With this upgrade, Post Office services are now faster, safer, and paperless. Opening and managing your RD and PPF accounts has never been easier. So next time you visit the post office, you can do everything—from opening an account to withdrawing funds—without touching a single form.
All you need is your Aadhaar and your fingerprint.