Now carry out transactions at any post office; the Post Office has launched a new facility..

A major convenience has been introduced for post office customers. Select account holders can now deposit and withdraw money at Branch Post Offices using Aadhaar-based e-KYC, eliminating the need for paperwork. Previously, this facility was limited to departmental post offices, but it has now been extended to Branch Post Offices as well.

**What are the deposit and withdrawal limits?**
Under the new system, account holders who have completed e-KYC can deposit up to ₹50,000 at any Branch Post Office without filling out a pay-in slip. Similarly, Post Office Savings Account (POSA) holders can withdraw up to ₹20,000 from any Branch Post Office without paperwork after completing e-KYC. However, for transactions exceeding these limits, the existing paper-based procedure must be followed, and approval must be obtained from the post office where the account is held.

**Which accounts will benefit?**
This facility will primarily be available for the following accounts:

Post Office Savings Account (POSA)
Recurring Deposit (RD) Account
Sukanya Samriddhi Account (SSA)
Account holders of these schemes can avail of this facility at any Branch Post Office once they have completed e-KYC.

**Transactions now possible at any post office**
The Department of Posts has implemented another significant change. If a customer has completed Aadhaar authentication, a Branch Post Office can process transactions for eligible accounts held at *any* post office in the country, not just its own. However, for accounts without Aadhaar authentication, transactions will only be possible at the specific Branch Post Office where the account is maintained.

**Facility not applicable to all accounts**
According to the Department of Posts, the e-KYC facility will be available only for single accounts. Minor and joint accounts are currently excluded from the scope of this facility.

**Linking of mobile number and Aadhaar is mandatory**
The e-KYC-based facility will only be available if both the Aadhaar number and the mobile number are linked to the customer's CIF (Customer Information File). The Department of Posts has clarified that a mobile number will be mandatory for e-KYC and Aadhaar-based deposit and withdrawal services.

**New rule effective from September 1, 2026**
The Department of Posts has announced that starting September 1, 2026, no transactions can be performed via the DREAM app for accounts that are not linked to a mobile number.

**e-KYC to be processed upon digital consent**
Accounts linked with a mobile number and Aadhaar will be converted to e-KYC CIF status upon receiving the customer's digital consent. During this process, details such as the customer's name, date of birth, gender, and address will be retrieved from the UIDAI database.

**Masked Aadhaar number mandatory**
The Department of Posts has instructed all post offices to display the Aadhaar number in a masked (hidden) format on all account-related documents. This rule has been implemented to ensure the privacy and security of Aadhaar data.

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