Post Office Saving Schemes Update: Aadhaar e-KYC Extended To RD And PPF Accounts; All You Need To Know

The Department of Posts now allows you to open and manage your Post Office Recurring Deposit (RD) and Public Provident Fund (PPF) accounts with greater ease, using your Aadhaar card and fingerprint scan. As per recent guidelines issued by the Department of Posts, effective from June 27, 2025, this new digital process eliminates the need to fill out numerous paper forms like pay-in slips or withdrawal vouchers for actions such as opening new accounts, depositing money, taking loans, repaying loans, or even making withdrawals from your PPF.

The Post Office Services began using Aadhaar and fingerprint-based scans for new customers to open basic Post Office Savings Accounts (POSA) nationwide from January 6, 2025, onwards. Now, the Post Office Services have expanded this digital convenience to a wider range of small savings products, including Recurring Deposit (RD) and Public Provident Fund (PPF) accounts. This digital service was previously available for Monthly Income Schemes (MIS), Time Deposits (TD), Kisan Vikas Patra (KVP), and National Savings Certificates (NSC).

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This announcement marks a significant entry of India Post into the digital world, enabling people to perform transactions faster and making tasks easier with minimal paperwork.

With these new changes, you can now open Recurring Deposit (RD) and Public Provident Fund (PPF) accounts and perform various other tasks related to the funds in these accounts, such as depositing more money, taking and repaying loans, and withdrawing money (including from PPF accounts without any limit).

An internal Small Savings Scheme (SB) order issued on July 7, 2025, specifies that you can perform these tasks with your Recurring Deposit (RD) and Public Provident Fund (PPF) accounts using your Aadhaar card and fingerprint scans at any Post Office that has the CBS (Core Banking Solution) system implemented.

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Here's how using your Aadhaar and fingerprint to manage your Post Office RD and PPF accounts works, step by step:

How Aadhaar-Based Transactions Work

1. First, the Post Office staff will take your fingerprint to obtain your consent to use your Aadhaar Information and initiate the process.

2. You will not need to fill out any paper forms, pay-in slips, or withdrawal vouchers for depositing money, withdrawing money, or handling loans related to your RD or PPF accounts.

3. If you are opening a new account, the amount you specify on the Account Opening Form as your initial deposit will be considered your very first deposit by the Post Office.

4. If you wish to transfer funds from your existing Post Office Savings Account to your new RD or PPF account, you can do so easily. As long as your savings account is either a "Single" account (just you) or a "Joint B" account (a specific type of joint account), you will not have to fill out any extra paper forms (like an "SB-7 form"). Your fingerprint scan will be sufficient to approve the transfer of money.

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To ensure information security, the first eight digits of your Aadhaar number will be masked on any forms during these transactions, appearing as "XXXX-XXXX-" (e.g., xxx-xxx-1234). This masking will be applied to all papers, including account opening forms and Aadhaar photocopies.