The Department of Posts, under the Ministry of Communications, has issued SB Order No. 07/2025, dated April 30, 2025, as an addendum to SB Order No. 01/2025. This order announces the extension of the Aadhaar-based electronic Know Your Customer (e-KYC) functionality to facilitate the opening of various small savings scheme accounts. Effective from April 23, 2025, customers can now utilize the e-KYC process for opening accounts under the Monthly Income Account Scheme (MIS), Time Deposit Scheme (TD), Kisan Vikas Patra Scheme (KVP), and National Savings Certificate VIII Issue (NSC) in all departmental post offices across India.
This expansion builds upon the initial introduction of e-KYC on January 6, 2025, which was implemented for onboarding new customers and opening single and individual Post Office Savings Accounts (POSA). The updated procedure requires the counter Post Assistant (PA) to obtain the depositor’s biometric data for Aadhaar authentication and consent during the CMISAOP menu operation. A second biometric authentication is mandatory before the final submission of account opening details. Notably, no pay-in-slip is required for deposits made while opening these accounts through Aadhaar authentication; the amount stated on the Account Opening Form (SB-eKYC-AOF) will be considered the deposit amount. For fund transfers from an existing POSA (single or joint B type), a withdrawal form (SB-7) is also not needed due to the biometric authentication. Existing paper-based transaction processes will continue to be followed. Aadhaar authenticated transactions will be directly posted in ledgers without checker verification, enabling direct account opening upon biometric authentication. All e-KYC based transactions, including POSA debits for these schemes, will be recorded in the “EKYC long book detailed report.” While the development of e-KYC for account closure, transfers, and nomination changes is underway, these modifications will currently follow the established procedures. The order reiterates the importance of masking the first eight digits of Aadhaar numbers on all collected forms and existing documents to ensure data privacy and mandates paperless KYC due diligence for all new and existing customers. Heads of Circles/Regions are instructed to disseminate these guidelines to all post offices for strict adherence and public awareness.
No-FS-25-01/2018-FS-CBS
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi — 110001
SB Order No.07/2025 Date: 30.04.2025
ADDENDUM
To
All Head of Circles / Regions
Subject: Extension of e-KYC functionality for opening of MIS, TD, KVP and NSC scheme accounts — Regarding.
Madam / Sir,
This has the reference to the SB Order No. 01 dated 01.01.2025.
2. Aadhaar based e-kyc process has been introduced pan India in all departmental post offices w.e.f. 06.01.2025 for onboarding of new customers (Creation of Customer Information File (CIF)) and opening of Single & Individual Type Post Office Savings Accounts (POSA).
3. In continuation, Aadhaar enabled eKYC process has been enabled for opening of Monthly Income Account Scheme (MIS), Time Deposit Scheme (TD), Kisan Vikas Patra Scheme (KVP) and National Savings Certificate VIII Issue (NSC) scheme accounts w.e.f 23.04.2025.
4. Accordingly, now the post offices will be able to open the MIS, TD, KVP and NSC scheme accounts of Single — Individual (Adult) type through Aadhaar authentication using e-KYC CIF.
5. On invoking the CMISAOP menu, the Counter PA has to obtain the biometric of the depositor for getting the consent to use his/her Aadhaar and proceed for feeding the other details for opening of the account. On completion of all the data entry in CMISAOP screen, before submission, second biometric of the depositor shall be obtained for authenticating the transaction.
6. No-pay-in-slip (deposit) voucher shall be collected for any amount of deposit while opening these accounts on Aadhaar Authentication basis. The amount written by the depositor in the Account Opening Form (SB-eKYC-AOF) shall be considered as amount of deposit.
7. If the depositor desires to transfer the funds from PO Savings Account for opening of MIS/TD/KVP/NSC accounts, the debit account should be either Single or Joint B type account of the depositor. In case the account is opened on transfer of funds from the PO Savings Account of the depositor, withdrawal form (SB-7) shall not be collected, as the account is opened through biometric authentication of the depositor.
8. The existing process shall be followed for the paper-based (voucher based) transactions.
9. Aadhaar Authenticated Transactions will directly be posted in the ledgers and require no verification by the checker. Accordingly, the account will be opened directly on biometric authentication of the depositor.
10. All the transactions including the POSA debit transactions, posted for opening of MIS/TD/KVP/NSC through bio-metric authentication shall appear in the “EKYC long book detailed report”.
11. The development of functionalities like Account Closure, Transfer of Accounts, change of nomination (Account Modification) etc. through biometric authentication are underway. Meanwhile, these operations shall continue to be performed through the existing method.
12. The following points are once again reiterated.
(i). For any eKYC based transactions, AOF or any other form collected from the customer shall have Aadhar no. in masked form (xxxx-xxxx- ). If any document contains the unmasked Aadhaar, Postmaster should ensure that first eight digits of the Aadhaar number are masked using black ink pen or sketch or any available means.
(ii) All the post offices and CBS-CPCs should ensure that the Aadhaar Number is masked in all the existing documents like AOF, KYC Form etc. containing the Aadhaar Number including the copy of the Aadhaar obtained.
(iii) Circles should ensure that paperless KYC due diligence is performed for all the new customers and existing account holders for ease of KYC compliance and other benefits to the customers and Department.
13. It is requested to circulate these instructions to all post offices for information and guidance.
This issues with the approval of Competent Authority.
Yours faithfully
(Gou Jain)
Assistant Director General (FS-II)
Copy to:–
1. Sr.PPS to Secretary (Posts)
2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/Member (0)/Member (P)/ Member (Planning & HRD)/Member (PLI)/Member (Tech)/AS & FA
4. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Deputy Director General (Vigilance & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.
12. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002.
13. All recognized Federations / Unions / Associations
14. Deputy Director (OL) for information and translation of the order in Hindi language.
15.Guard File
(Go av Jain)
Assistant Director General (FS-II)
