How to Open a Post Office Savings Account In India

Open a Post Office Savings Account In India By Online

  • The applicant should visit their local post office to sign up for an account at the post office to save money.
  • Visit the post office to pick up the application form needed to open an account.
  • Fill in the form with the correct details.
  • Complete the application form and the necessary documents listed in the required documentation section following to the postmaster.
  • Make the deposit.
  • Once the application is received After receiving the application, the authority accepting it will examine the submitted application as well as the documents. If everything is correct the application will then be processed.
  • After the internal processing, the accounts will open, and post office savings book along with a booklet of information will be sent by post to the address stated on the application form.


  • One account is allowed to be opened by a single person as only one account can be opened.
  • It is obligatory to nominate prior to the opening an account

Please choose the state’s name for the appropriate State Procedure.

Required Documents For Open a Post Office Savings Account

  • Account Opening Form
  • ID proofs like Voter card, Aadhaar card, Driving license, Ration card.
  • Address proofs such as electricity invoice, car bank passbookand phone bill.
  • KYC Form (Know Your Customer (KYC) Norms)
  • For Joint Accounts, KYC (Know Your Customer (KYC) Norms) documents for all joint owners.
  • For minor accounts, KYC (Know Your Customer (KYC) Norms) detail of the guardian.
  • PAN Card
  • Aadhaar card
    • If Aadhaar isn’t available, the following document can be provided. (1. Passport 2.Driving license 3. Voter’s ID card 4. Employment card issued by the state government, and signed by a State Government officer 5. A letter from the National Population Register containing details of address and name.)
  • Birth certificate or proof of date of birth certificate in the case of a minors accounts.
  • Other relevant information


  • Documents must be self-attested
  • In addition to the documents above, authorities can request additional documents or information. They will require these documents for processing.

Office Locations and Contacts

Postmaster General,Meghdoot Bhawan, Link Road,
New Delhi – 110001.
Phone: 011-23620144 (Tel), 23627114 (Fax)

Postal Directorate
Dak Bhavan,New Delhi – 110001
Telephone: 011-23096060
Contact Form Link


  • A single adult
  • There are two adult patients only (Joint A, or Joint)
  • A guardian for the minor
  • A guardian on behalf of a the person who is mentally unsound.
  • A minor who is over 10 years in his own name.
    • Individual Accounts (Group Accounts), Institutional Accounts as well as other accounts such as Security Deposit Accounts as well as Official Capacity Accounts aren’t permitted.
    • NRI, Trust, Firm, Institutions/post/company etc are not eligible for opening of account under any National (Small) Savings Scheme.


  • Minimum amount required for opening of account, and the maximum balance that can be kept INR 500/-
  • If you wish to open savings accounts at the post office with no cheque book, you’ll need to make an amount of deposit that is not less than Rs.50.


  • This account is valid as long as the account holder’s age is reached.


In the event that withdrawals or deposits take place on the account.

If there isn’t a single withdrawal or deposit on the account for a period of three years of financial year the account shall be regarded as inactive or silent


  • One account can only be opened by a single person as only one account can be opened.
  • Only one account may be created in the name of a under 10 years old (self)/person who is mentally unsound.
  • If a Joint holder dies, an Joint account holder, the person who died is the sole holder. If the surviving holder already has a only one account in their name, then the Joint account has been shut down
  • Conversion of a single account to a joint account , or vice versa is not permitted.
  • The nomination is required when opening the account

The Information You Need

  • Applicant details
  • Applicant address
  • Mobile number
  • Email ID
  • Size of photo for passport
  • Nominee details
  • Other relevant information

Documentation is needed

  • The following features in “Post Office Savings Account” draws people to sign up for an account.
  • A person can open a “Post Office Savings Account” with a modest deposit and later deposits are not more than 10 rupees.
  • Post Office Savings Account provides customers the ability to withdraw a at a minimum Rs.50.

Information that can be useful

  • The withdrawal is not permitted If the balance is below Rs. 500.
  • If balance on account has not increased to Rs. 500 by the end of financial year, Rs. 100 will be taken for Account Maintenance Fee. If the balance on the account becomes zero the account will automatically be shut
  • The interest earned on a bank account up to 10,000 per year is tax-free.
  • The rate of interest of 4 percent annually will be paid for the duration of a calendar month based with the lowest balance to the credit of the account between the end of the tenth day until the close of the month. the interest will be calculated and credit to your account by the conclusion of each calendar year.
  • A bank account where an account has not had a deposit or withdrawal that is not made over a period of three consecutive years, then the account is classified as an unrecorded Account and the interest credit on the Silent Account cannot be regarded as the result of a transaction.



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