Here’s how you can avail different services of Post Office easily

For more than 150 years, the Department of Posts (DoP) has been the backbone of the country’s communication and has played a crucial role in the country’s social economic development. It touches the lives of Indian citizens in many ways: delivering mails, accepting deposits under Small Savings Schemes, providing life insurance cover under Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) and providing retail services like bill collection, sale of forms, etc.

The DoP also acts as an agent for Government of India in discharging other services for citizens such as Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) wage disbursement and old age pension payments. With more than 1,55,000 post offices, the DoP has the most widely distributed postal network in the world.

However, do you know how to avail different services of the Post Office easily? If not read on and know in detail.

How to open account?

Submit the following forms/documents duly signed and filled at desired Post Office.

• Account Opening Form
• KYC Form (For new customer/modification in KYC details))
• PAN Card
• Aadhaar card, if Aadhaar is not made available you can submit either Passport, Driving license, Voter’s ID card, Job card issued by MNREGA signed by the State Government officer or Letter issued by the National Population Register containing details of name and address or even the proof of date of birth/birth certificate in case of minor account. (Birth certificate is mandatory in Sukanya Samriddhi Account).

For Joint Account, KYC documents for all joint holders to be submitted.

For minor account, KYC detail of guardian to be submitted.

• Conversion of Joint account to single account or vice versa is not allowed.
• After attaining majority, minor has to submit fresh account opening form sand KYC document at concerned Post Office for conversion of the in his/her name.
• For investment above Rs. 10 lakh as per Prevention of Money Laundering Act-2002 proof of source of fund is to be submitted.
• For Sr. Citizens VRS account the proof of receipt of retirement benefits is to be submitted.
• NRI, Trust, Firm, Institutions/post/company etc are not eligible for opening of account under any National (Small) Savings Scheme.
• At present account can be opened in PPF/SCSS/MIS/KVP/NSC in branch Post offices through Cheque only.

How to open ebanking/mobile banking?

• ebanking/mobile banking facility can be availed on PO Savings Account by submitting prescribed form duly signed at concerned Post Office.
• after enabling these facilities by concerned Post Office, the account holder will get activation code within 48 hours of account opening to proceed further in “New User Activation” option
• The following facilities are available in ebanking.

1. Opening of Recurring Deposit/ Time Deposit account.
2. Deposit in RD/PPF/SSA/SB Accounts standing in CBS Post Offices.
3. Taking RD Loan/ PPF Withdrawal
4. Repayment of RD Loan/PPF Loan.
5. View/Print of transaction details of all Small Savings Schemes linked account of the customer.
6. Stop cheque request.
7. Mini statement.

Know about Nomination:

• Nomination is mandatory at the time of account opening and can be made for up to 4 individuals.
• Change in nomination may be made by submitting prescribed application form at concerned Post Office along with prescribed fee. (i.e. Rs. 50+GST) .

Also Read: Kisan Vikas Patra Scheme: Invest Now To Double Your Money

Know how to transfer your accounts:

• Account can be transferred from any CBS Post Office to another CBS Post Office.
• PPF/SSA/SCSS account can be transferred from Bank to Post Office or vice versa.
• For transfer of account, submit prescribed application form along with pass book and prescribed fee (Rs. 100+GST) at concerned Post Office.

Know to make the Maturity Payment:

Maturity value can be paid by the following modes:-

• Below 20000 – by Cash.
• 20,000/- or above, By Account Payee Cheque or Transfer to PO Savings Account
• To get maturity payment, submit account closure form along with pass book at concerned Post Office

​Death Claim​: 

• In the event of death of the depositor, the payment can be made on the basis of following.
• Nomination :- Following documents to be submitted at concerned Post Office by the nominee(s).

Claim Form:

• Death certificate of account holder(s).
• Passbook/certificate.
• Id and address proof of the nominee.
• ID and address proof of two witnesses.
• Legal evidence, (Probate of will, Letter of Administration, Succession Certificate)

Claim Form:

• Original/certified copy of legal evidence.
• Death certificate of account holder(s).
• Passbook/certificate.
• Id and address proof of the claimant(s).
• ID and address proof of two witnesses.
• Without nomination or legal evidence up to Rs. 5 lakh. ​

​Claim Form:

• Death certificate of account holder(s).
• Passbook/certificate.
• Affidavit (Form-13)
• Letter of disclaimer (Form-14)
• Letter of indemnity (Form-15)
• Id and address proof of the claimant(s).
• Self attested copy of ID and address proof of two witnesses.