How to Open Post Office Savings Account Online?
10 June 2025 · Sachin Gadekar
A Simple Guide to Open, Access, and Manage Your Post Office Savings Account in 2025
What Is a Post Office Savings Account?
In the age of digital banking, even traditional institutions like India Post have stepped up. The Post Office Savings Account is one of the most trusted and widely used savings schemes in the country. And now, you can open it online—without standing in long queues.
Whether you're a beginner, senior citizen, or a working professional looking for safe returns and a government-backed savings plan, this account is worth exploring.
This guide covers everything you need to know about post office savings account online opening, interest rates, balance check, and more.
The Post Office Savings Account is similar to a regular savings account in a bank but operated by India Post. It is backed by the Government of India and offers:
Guaranteed returns
Easy access across India
Safe and secure deposits
How to Open Post Office Savings Account Online?
Here's the step-by-step guide for online account opening:
Step 1: Visit India Post's Official Website
Go to https://www.indiapost.gov.in
Step 2: Register for Net Banking
Click on "Net Banking / Mobile Banking registration"
Enter your Customer ID (mentioned in your passbook)
Provide your registered mobile number
Set a secure password
Once verified, your account will be enabled for online access.
Step 3: Submit KYC if Not Already Done
You may be required to upload scanned documents:
PAN Card
Aadhaar Card
Address Proof
Passport-size photo
Verification typically takes 1–2 business days.
Step 4: Login and Activate Account
Use your credentials to login at ebanking.indiapost.gov.in
Once logged in, you can:
Check your post office savings account balance
Transfer funds
Download statements
Manage other Post Office investments (RD, PPF, etc.)
Key Features of Post Office Savings Account
| Feature | Details |
|---|---|
| Minimum Opening Balance | ₹500 |
| Interest Rate | 4.0% p.a. (as of 2025) |
| Cheque Facility | Available (on request) |
| ATM Card | Available with India Post Payments Bank |
| Tax Benefits | Interest up to ₹10,000/year exempt under Sec 80TTA |
Post Office Savings Account Login & Services
After registration, users can log in via:
India Post Net Banking
India Post Mobile Banking App
Key Online Services Include:
Balance check
Fund transfer within post office accounts
Account statement download
View interest earned
Manage standing instructions (e.g., for RD or PPF)
Post Office Savings Account vs Bank Savings Account
| Criteria | Post Office | Bank Savings Account |
|---|---|---|
| Interest Rate | 4.0% | 2.5%–3.5% |
| Minimum Balance | ₹500 | ₹1,000–₹10,000 |
| Branch Access | 1.5 lakh+ post offices | Limited in rural areas |
| ATM Access | Via IPPB | Yes |
| Government Guarantee | ✅ | ✅ (up to ₹5 lakh under DICGC) |
How to Check Post Office Savings Account Balance?
There are 3 main methods to check your balance:
1. Online Net Banking Portal
Visit ebanking.indiapost.gov.in and login to view your account summary.
2. Mobile Banking App
Download India Post Mobile Banking from Play Store/App Store.
3. Missed Call or SMS Alerts
You can also check balance via SMS or missed call by registering your mobile number at the nearest post office.
Benefits of Opening Post Office Savings Account Online
Convenient account management
Access to other small savings schemes (RD, PPF, MIS)
No complex documentation
Safe & government-backed
Low balance requirements
Who Should Open a Post Office Savings Account?
Ideal for:
Retirees and pensioners seeking safety
Rural residents with no access to private banks
First-time savers
Parents looking to save for children via post office linked schemes
At getultra.club, we help investors explore all safe and alternative investment avenues—and Post Office savings is among the safest.
FAQs
1. Can I open a post office savings account online without visiting the post office?
You can initiate the process online, but physical verification or KYC submission might require one-time branch visit if you're a new customer.
2. What is the minimum balance in a Post Office Savings Account?
The minimum balance is ₹500. Falling below this may incur a maintenance charge.
3. How often is interest paid on a post office savings account?
Interest is paid annually, even though it accrues daily.
4. Is post office savings account safe?
Yes, it is fully backed by the Government of India and is among the safest savings schemes available.
5. How can I check my post office savings account balance online?
Login via ebanking.indiapost.gov.in or use the India Post Mobile Banking app.
Final Thoughts
The Post Office Savings Account is a reliable and easy-to-manage savings option for anyone looking for secure returns, government backing, and nationwide accessibility. With online services now available, managing your account is more convenient than ever.
Platforms like getultra.club help users explore such traditional schemes alongside modern investment opportunities—making it easier to build a diversified and stable portfolio.