Simplified Aadhaar Biometric e-KYC for RD and PPF Accounts

The Department of Posts now offers Aadhaar-based biometric e-KYC services for Recurring Deposit (RD) and Public Provident Fund (PPF) schemes. This update makes account operations paperless and more accessible.

Before, this service was only for schemes like Monthly Income Scheme (MIS), Time Deposit (TD), Kisan Vikas Patra (KVP), and National Savings Certificate (NSC).

New Services Enabled for RD and PPF via Aadhaar e-KYC

Starting June 27, 2025, post office customers can use biometric e-KYC for RD and PPF accounts to:

• Open RD and PPF accounts
• Deposit into RD and PPF accounts
• Open and get loans for RD and PPF accounts
• Repay loans in both schemes
• Withdraw from PPF accounts (no transaction limit)

All these services can be authenticated using Aadhaar-based biometrics at Core Banking Solution (CBS) post offices.

Upcoming Services

The Department of Posts is working to add biometric-based Aadhaar authentication for:

• Closing accounts
• Transferring accounts
• Updating or changing nominee details

These services are coming soon.

Enhanced Data Security: Aadhaar Masking

To protect your identity, Aadhaar numbers will now be masked (e.g., xxx-xxx-1234) on all account-related documents. If the full Aadhaar number is printed, postmasters will black out the first eight digits.

The order states: “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 two steps:

• The postmaster gets your biometric data to obtain Aadhaar consent and enters your account details into the system.
• Before submitting the request, a second biometric scan is done to authenticate the transaction.

Once verified, the account is opened or updated without physical pay-in slips or withdrawal forms. For initial deposits, the amount in your Account Opening Form (AOF) will be credited to your account.

If you fund the account using your Post Office Savings Account (POSA), the debit account must be a single or joint B-type account in your name. No physical withdrawal form (SB-7) is needed as Aadhaar biometric authentication confirms the request.

This digital process makes small savings schemes more accessible, especially in rural areas.