Post Office RD and PPF Accounts Now Easier to Open & Manage with Aadhaar-Based Biometric e-KYC

India Post has rolled out Aadhaar-based biometric e-KYC services for its popular small savings schemes like Recurring Deposit, also called RD, and Public Provident Fund (PPF). Now, customers can easily open and operate their RD and PPF accounts at any core banking solution or CBS-enabled post office without the need for physical forms like pay-in slips or withdrawal vouchers.

Aadhaar e-KYC Now Live for RD and PPF Accounts

Starting July 7, 2025, the Department of Posts has officially enabled Aadhaar e-KYC authentication for RD and PPF accounts across all CBS post offices. Previously, in January 2025, Aadhaar-based account opening for Post Office Savings Accounts was initiated. This entire process is paperless because of the use of biometric authentication at post office counters. With Aadhaar biometric e-KYC, depositors can now:

• Open new RD and PPF accounts
• Deposit money into RD and PPF accounts
• Apply for and receive loans against RD and PPF
• Make withdrawals from PPF accounts with no limit restrictions
• Account holders can now also repay loans under RD and PPF.

How the Aadhaar e-KYC Process Works?

Here's a simplified step-by-step process of how this system operates:

Step 1: Biometric data is captured from the depositor to fetch Aadhaar details.
Step 2: Once the form is digitally filled, a second biometric scan authenticates the transaction.
Step 3: There is no need to submit SB-7 forms or use pay-in slips/withdrawal vouchers.
Step 4: The amount mentioned in the Account Opening Form (AOF) is treated as the initial deposit.

If you're funding your new RD or PPF account from an existing Post Office Savings Account, it must be a Single or Joint B type account in the depositor's name.

Masked Aadhaar To Be Used to Ensure the Security of Depositors

Along with this new update, India Post has mandated the use of masked Aadhaar numbers in all documentation. To protect the privacy of depositors. If any form or photocopy contains the full Aadhaar number, the first 8 digits must be blacked out using a marker. This will apply to all documents like KYC forms, AOFs, and Aadhaar copies kept at post offices or CPCs.

More Biometric Services Coming Soon

India Post isn't stopping here. Soon, the biometric e-KYC facility will also be extended to cover account closures, nominee changes, and account transfers between branches.

This is part of India Post's ongoing drive to digitise its small savings operations and make account management simpler, faster, and more secure.