Post Office Now Allows RD & PPF Transactions via Aadhaar e-KYC: Here’s What You Need to Know

The Department of Posts has expanded its Aadhaar-based e-KYC biometric authentication services to include Recurring Deposit (RD) and Public Provident Fund (PPF) schemes. This allows depositors to open and manage these accounts without needing pay-in slips or withdrawal vouchers.

Initially, the Aadhaar-based e-KYC service was limited to a few small savings schemes like Kisan Vikas Patra and National Savings Certificate. However, from April 23, 2025, it has been extended to a broader range of products. This follows an earlier rollout on January 6, 2025, which introduced Aadhaar-based authentication for new customers in Post Office Savings Accounts.

Aadhaar-Based e-KYC Services

According to the SB Order dated July 7, 2025, all CBS-enabled post offices can now use Aadhaar-based biometric e-KYC for RD and PPF accounts. Services include accepting deposits, opening loan accounts, disbursing loan amounts regardless of the amount, withdrawing from PPF accounts without limit constraints, and repaying loans in RD and PPF accounts.

The Department plans to further expand biometric-based e-KYC functionality soon. This will cover account closures, nomination changes, and account transfers. These enhancements aim to provide more comprehensive digital services for account holders.

Security Measures with Masked Aadhaar

For any e-KYC transactions or forms collected from customers, the Aadhaar number must be masked. The first eight digits should be obscured using a black ink pen or sketch if unmasked numbers appear on documents. "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," stated the Department's order.

To authenticate transactions using Aadhaar-based RD and PPF accounts, postal assistants collect biometric data from depositors. After completing data entry, a second biometric is taken for transaction verification. This process ensures secure handling of depositor information.

Opening RD and PPF accounts through Aadhaar authentication eliminates the need for pay-in-slips or withdrawal vouchers for credits or debits in these accounts. The initial deposit amount entered by depositors in their Account Opening Form is considered as such when opening these accounts. If funds are transferred from a PO Savings Account, it must be a Single or Joint B type account of the depositor.