In a major digital push, India Post has expanded its Aadhaar-biometric e-KYC facility to include Recurring Deposit (RD) and Public Provident Fund (PPF) accounts. This means that customers can now open accounts and access services like deposits, withdrawals, loans, and nominations—completely paperless, using just Aadhaar-based biometric verification.

🔑 What's New?

Earlier, biometric e-KYC was available only for select schemes such as:

• Monthly Income Scheme (MIS)

• Time Deposit (TD)

• Kisan Vikas Patra (KVP)

• National Savings Certificate (NSC)

As of April 23, 2025, this facility has been extended to:

• RD (Recurring Deposit)

• PPF (Public Provident Fund)

This follows the initial rollout of e-KYC for Post Office Savings Accounts (POSA) on January 6, 2025.

✅ Key Benefits for Customers

You can now perform the following without submitting any physical forms:

1. Open RD and PPF accounts

2. Deposit money into these accounts

3. Avail loans on RD or PPF balances

4. Repay loans

5. Withdraw funds from PPF (no form required)

🔒 These transactions will now be completely digital and secure, thanks to Aadhaar-based biometric authentication.

🛡️ Privacy & Security: Masked Aadhaar

To protect customer privacy:

• Aadhaar numbers will be masked (e.g., xxx-xxx-1234) on all biometric transaction documents.

• If any form is submitted with a full Aadhaar number, postal staff are instructed to manually mask the first 8 digits using a black pen.

This applies to all documents such as:

• Account Opening Forms (AOF)

• KYC Forms

• Aadhaar photocopies

🔄 How Will the Biometric Process Work?

1. Initial Consent: A post office assistant will take biometric authentication for the customer's first-time consent.

2. Transaction Execution: A second biometric scan will be done to complete the transaction.

3. No Physical Forms: Forms like pay-in slips or withdrawal vouchers will not be required for transactions in RD or PPF.

4. Initial Deposit: The amount filled in the account opening form will be treated as the initial deposit.

5. Transfers from POSA: If funds are transferred from a Post Office Savings Account (POSA), it must be either a single or Joint B type account—no need for SB-7 form due to prior biometric verification.

🔜 What’s Coming Next?

India Post plans to further expand this e-KYC service to include:

• Account closure

• Nominee updates

• Account transfers

These upgrades aim to bring complete digital convenience to postal banking customers across India.

💡 Conclusion

This Aadhaar-biometric upgrade is a big leap toward paperless and hassle-free banking at the post office. With this, India Post strengthens its position as a tech-savvy financial institution that prioritizes both user convenience and data security.

If you’re planning to open an RD or PPF account, you now just need your Aadhaar—and your fingerprint!