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.

🔄 What Has Changed?

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.

✅ What Services Are Now Available Without Forms?

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.

🛡️ Aadhaar Will Be Masked for Safety

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

🧾 How the Biometric Process Works

1. First biometric scan: Used to get the customer's consent through Aadhaar e-KYC.

2. Second biometric scan: Used to authenticate transactions such as deposits or withdrawals.

3. No physical documentation is needed for credit/debit operations on RD or PPF accounts.

4. If transferring money from a Post Office Savings Account, no separate SB-7 form is needed if biometric verification is already completed.

🔜 Coming Soon via Biometric Aadhaar Services

India Post plans to add the following services digitally:

• Account closure

• Updating nominee information

• Transferring account from one branch to another

📌 Bottom Line

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.