Post Office Savings Account, RD, Sukanya Samriddhi: New deposit and withdrawal rules announced

As per an official order, the Department of Posts has allowed deposits up to ₹50,000 in Post Office Savings Account (POSA), Post Office Recurring Deposit (RD), and Sukanya Samriddhi Account through Aadhaar-based biometric authentication without a pay-in slip.

Withdrawal up to ₹20,000 with Aadhaar authentication from POSA has also been allowed. Not only this, but the Department has also decided to allow inter-branch transactions through Aadhaar authentication.

The article explains all the key changes announced by the Department of Posts in its latest order to all circle and regional heads.

What's in the order?

In an official order dated 22 June, 2026, the Department said it has decided to "introduce the e-KYC based transactions in Branch Post Offices (BO)..." with effect from 22 June 2026.

In phase-1 of the implementation of the above order, the Department is introducing the following functionalities in the Digital Rural Enterprise Application for Mobiles (DREAM) application used in branch offices:

• Conversion of the existing Customer Information File (CIF) to Aadhaar-based e-KYC CIF through biometric authentication.

• Acceptance of deposits up to ₹50,000 in PO Savings Accounts (POSA), Recurring Deposit (RD) Accounts and Sukanya Samriddhi Accounts (SSA) on bio-metric authentication of the depositors, without pay-in-slip.

• Withdrawals up to ₹20,000 in POSA accounts on bio-metric authentication of the depositors, without a withdrawal slip.

The above facility will be available only for single-type accounts and not for minor/joint accounts.

What about high-value transactions?

For high-value transactions other than the limits specified above, post offices will continue to use a paper-based process.

"For high-value deposits and withdrawals, BPM should follow the existing paper-based process of obtaining the withdrawal application form and taking approval of the respective Accounts Office," the department said.

Transact at any branch

At present, post office branches are allowed to perform transactions only in the accounts opened with them. However, the Department has now decided to introduce branch interoperability with the help of Aadhaar authentication. This means, Post Office account holders with Aadhaar-authenticated e-KYC may soon be able to carry out transactions at any branch.

However, this facility will not be available for non-Aadhaar authenticated transactions.

"At present, BOs are allowed to perform transactions only in the accounts standing at the BOs concerned. On introduction of Aadhaar authenticated e-KYC transactions in BOs, it has been decided to introduce BO inter-operability i.e., the BOs shall henceforth, be enabled to perform transactions in an account standing in any post office, through Aadhaar authentication," the Department said.

"Non-Aadhaar authenticated transactions shall continue to be performed only in the accounts standing in the same BO," it added.

Mobile number mandatory

The Department said that from 1 September, 2026, a mobile number will be mandatory for any transactions through the DREAM app.

"Thus, mobile number shall be mandatory for customers initiating e-KYC and Aadhar authenticated deposits and withdrawal transactions. With effect from 01.09.2026, no transactions through DREAM app shall be allowed in accounts which are not linked with mobile number," the Department said.