Official sovereign physical and e-Passbook issued by India Post under National Savings Schemes including MIS, SCSS, Sukanya Samriddhi Yojana, Time Deposits, and Savings Accounts
You no longer need to stand in long queues at the post office just to print your passbook. India Post's e-Passbook portal lets you view live balances and download mini-statements from any smartphone.
💡 The Post Office Savings Bank (POSB) Passbook is the official physical record book and sovereign receipt issued by India Post verifying deposits, interest credits, and withdrawals across Central Government small savings schemes. Backed directly by the Consolidated Fund of India, it provides complete capital safety, quarterly interest payouts, and Section 80C tax benefits. India Post also offers a paperless 'POSB e-Passbook' accessible 24x7 with your mobile number.
Compare popular government savings options managed through India Post.
| Scheme Name | Eligible Age | Tenure | Tax Benefit (Income Tax Act) |
|---|---|---|---|
| Senior Citizen Savings Scheme (SCSS) | 60 years and above (55+ for voluntary retirees) | 5 years (extendable by 3 years) | Section 80C deduction up to ₹1.5L; quarterly interest taxable |
| Monthly Income Scheme (MIS) | Adults (single or joint) or guardian for minor | 5 years | Guaranteed monthly income; interest fully taxable |
| Sukanya Samriddhi Yojana (SSA) | Girl child below 10 years of age | 21 years from opening (or marriage after 18) | Triple Tax Exemption (EEE): 80C exempt, interest exempt, maturity exempt |
| Time Deposit (TD / Fixed Deposit) | All resident individuals | 1, 2, 3, or 5 years | 5-year TD qualifies for Section 80C tax deduction |
Instant on-the-spot physical passbook issuance at the post office branch; instant digital view via POSB e-Passbook web portal.
Passbook issuance at account opening: 100% Free; Duplicate passbook issuance if lost/damaged: ₹50 + GST.
Any Indian citizen (adult, minor through legal guardian, or joint account up to 3 adults). No age restrictions for basic savings; specific schemes have statutory age rules (e.g., SSA for girl children under 10; SCSS for citizens aged 60+).
Citizens, senior citizens, and parents operating small savings schemes such as Monthly Income Scheme (MIS), Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Account (SSA), Public Provident Fund (PPF), Time Deposits (TD), or Recurring Deposits (RD) with India Post.
Locate any Department of Posts branch. Over 98% of post offices are now linked to Core Banking Solutions (CBS).
Obtain Common Account Opening Form-1, select the scheme type (Savings, MIS, SCSS, SSA, TD, or RD), and provide full applicant and nominee details.
Attach self-attested photocopies of your Aadhaar card and PAN card. Carry originals for spot biometric or visual verification by the Postmaster.
Hand over the initial cash deposit or a crossed cheque payable to 'Postmaster [Name of Post Office]'.
The Postal Assistant enters your details into the CBS system, assigns an Account Number and Customer Identification File (CIF) ID, prints the computerised passbook, and stamps it with the official postal round seal.
If your original physical passbook is lost, torn, or filled up:
Submit a written application to the Postmaster stating the Account Number, CIF ID, and reason for replacement.
Pay ₹50 + GST (₹59 total) at the post office counter. For damaged/soiled passbooks where account details are readable, the fee is also ₹50.
The post office verifies account balances against the CBS ledger and issues a fresh duplicate passbook stamped 'DUPLICATE' within 1 to 3 working days.
India Post launched a browser-based e-Passbook portal that works without requiring full internet banking registration:
Visit posbseva.ippbonline.com/indiapost/login on any mobile or desktop browser.
Input your registered mobile number and enter the captcha code. Click 'Login' and verify the 6-digit OTP.
Choose the scheme type from the dropdown, enter your Account Number, CIF ID, and registered mobile number.
Click 'Balance Enquiry' or 'Mini Statement'. You can view the last 10 transactions or download a detailed statement in PDF format.
Solutions to typical issues faced by post office account holders.
| Problem Encountered | Probable Reason | Recommended Action |
|---|---|---|
| Account shows 'Silent / Inoperative' status | No transactions made for 3 continuous financial years | Visit the post office with your passbook, Aadhaar, and PAN. Submit a re-KYC request and make a small deposit/withdrawal of ₹100 to reactivate the account. |
| POSB e-Passbook shows 'Account details mismatch' | Mobile number linked to CIF in Core Banking System | Visit your branch and submit an 'Aadhaar / Mobile Linking Form'. Once the Postal Assistant updates the CBS, online access unlocks within 24 hours. |
| Quarterly interest not credited to linked savings account | Automatic transfer mandate (Auto-Debit/Credit) | Submit an SB-83 mandate form requesting auto-credit of SCSS or MIS interest directly into your Post Office Savings Account or IPPB bank account. |
| Unable to transfer account to another city post office | CBS inter-operability rules | Submit Form SB-10(b) (Application for Transfer of Account) at the new destination post office along with your passbook; the transfer is completed electronically within 7 working days. |
Yes. You can check your balance from home using two official methods: (1) Visit the free web portal posbseva.ippbonline.com/indiapost/login (POSB e-Passbook) using your mobile number, Account Number, and CIF ID; or (2) Link your POSB account with the India Post Payments Bank (IPPB) Mobile App for instant balance checks and fund transfers.
There is no penalty, but you must pay a statutory replacement fee of ₹50 plus 18% GST (total ₹59) at the post office counter. Submit an application in Form-2 with your KYC documents, and a replacement passbook marked 'DUPLICATE' will be issued.
Yes. A computerised, stamped post office savings passbook containing your photograph, full name, and address is an officially recognized Proof of Identity (PoI) and Proof of Address (PoA) approved by both UIDAI and the Ministry of External Affairs (Passport Seva).
If there is no registered nomination, legal heirs can claim balances up to ₹5 Lakh by submitting an indemnity bond, affidavit, and family member consent to the Postmaster. For balances exceeding ₹5 Lakh without nomination, a Succession Certificate issued by a competent civil court is mandatory under the Government Savings Promotion Act.
Yes. All post office accounts can be transferred seamlessly between any of the 1,55,000+ post offices in India. Submit an Account Transfer Form (SB-10b) along with your original passbook at the receiving post office in your new city.
Statutory enactment governing small savings schemes, passbook issuance, nominations, and claims processing.
Checked on November 4, 2026
View Reference Document ↗Operational procedural manual for Core Banking Solutions (CBS), e-Passbook services, and duplicate issuance.
Checked on November 4, 2026
View Reference Document ↗
Bank passbook print, mPassbook download, update rules, and verification guide
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Regulated by the Department of Posts, Ministry of Communications and governed under the Government Savings Promotion Act, 1873 / Government Savings Promotion Rules, 2018. Available across 1,55,000+ post offices nationwide.
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