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Aadhaar e-KYC for Post Office: People across India can now open and manage their Recurring Deposit (RD) and Public Provident Fund (PPF) accounts in post offices just by using their Aadhaar biometrics. This means you don’t have to fill out forms, carry papers, or stand in long queues anymore.
The process has become fully digital and quicker with just a fingerprint. Earlier, people could already use this Aadhaar-based e-KYC for schemes like the Monthly Income Scheme, Time Deposit, Kisan Vikas Patra, and National Savings Certificate. Now the service is also available for RD and PPF, which are two of the most popular savings schemes used by millions of Indians.
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Now anyone can open a new RD or PPF account using their Aadhaar fingerprint at the post office. There’s no need to bring pay-in slips or fill out any physical forms to deposit money. The system will take your fingerprint and process the deposit directly. This saves time and also helps avoid mistakes.
You can even open a loan account on your RD or PPF account and pay back the loan using your fingerprint only, without filling any forms. People who need to withdraw money, either partly or fully from their PPF accounts, can also do it using their Aadhaar biometric, even if there are limits on how much they can withdraw. This new system works very smoothly and removes a lot of paperwork.
When someone opens an RD or PPF account using Aadhaar at the post office, their biometric is taken twice. First, the person gives consent to use Aadhaar details, and then the second scan confirms the transaction. For any future transactions like depositing or withdrawing money, just one fingerprint is enough. If someone has a Post Office Savings Account, they can transfer money from it into RD or PPF without filling out any withdrawal form.
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To keep things safe, the Aadhaar number will not show fully on any forms. Only the last four digits will be visible like xxxx-xxxx-1234, so the full number remains hidden. And if by mistake, a full Aadhaar number shows up, post office officers are told to cover the first eight digits manually to protect the person’s privacy.
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