Aadhaar biometric e-KYC now extended to RD, PPF accounts: Depositors can open accounts, withdraw without forms; Account closures and nominee changes coming soon
This marks a major expansion of the facility, which was previously available only for select schemes like the Monthly Income Scheme (MIS), Time Deposit (TD), Kisan Vikas Patra (KVP), and National Savings Certificate (NSC).
This move follows the broader adoption of Aadhaar e-KYC that began with the nationwide rollout on January 6, 2025, for onboarding new customers, according to an ET report citing the Department of Posts.
That phase allowed creation of Customer Information Files (CIFs) and opening of single-holder Post Office Savings Accounts (POSA) through Aadhaar authentication. Later, on April 23, the facility was extended to MIS, TD, KVP, and NSC.
Depositors can now open new accounts or carry out RD and PPF transactions at Core Banking Solution (CBS) post offices without the need for paper-based documentation like withdrawal vouchers or pay-in slips.
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What services are now enabled for RD and PPF via Aadhaar e-KYC?
Starting June 27, 2025, post office customers can perform a range of operations using biometric e-KYC for RD and PPF accounts:
Opening of RD and PPF accounts
Deposits into RD and PPF accounts
Opening and disbursement of RD and PPF loan accounts
Repayment of loans in both schemes
Withdrawals from PPF accounts (with no transaction limit)
All services can now be authenticated using Aadhaar-based biometrics at CBS post offices, according to an internal Small Savings Scheme (SB) order issued on July 7, 2025.
What's next: More services in the pipeline
According to the report, in addition to the current set of facilities, the Department of Posts is actively working to extend biometric-based Aadhaar authentication for the following services as well:
Closure of accounts
Account transfer requests
Updating or changing nominee details
These are currently under development and will be integrated into the system soon, the order stated.
Data security: Aadhaar masking now mandatory
To protect depositor identity, Aadhaar numbers will now appear in a masked format (e.g. xxx-xxx-1234) on all account-related documents. In case the full Aadhaar number is printed on any physical document such as the Account Opening Form (AOF) or KYC form, postmasters are instructed to manually black out the first eight digits using ink or sketch pens.
The SB order mandates: 'All post offices and CBS-CPCs must ensure that Aadhaar numbers are masked in all existing and future documents obtained from depositors, including copies of Aadhaar.'
How the Aadhaar-based account process works
Opening or managing RD and PPF accounts using Aadhaar biometrics involves a two-step verification:
The postmaster obtains the depositor's biometric data to get Aadhaar consent and enters account details into the system.
Before submitting the request, a second biometric scan is performed to authenticate the transaction.
Once verified, the account is opened or updated without the need for physical pay-in slips or withdrawal forms. For initial deposits, the amount entered in the depositor's AOF will be treated as the credited amount.
If the depositor chooses to fund the account using their Post Office Savings Account (POSA), the debit account must be either a single or joint B-type account in the depositor's name. Even in such cases, no physical withdrawal form (SB-7) is required since Aadhaar biometric authentication confirms the request.
This streamlined digital process aligns with the Department of Posts' broader push for technology-led banking and aims to make small savings schemes more accessible, particularly in rural areas.
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