Order No.: FS-25-01/2018-FS-CBSIssuing Authority: Government of India, Ministry of Communications, Department of Posts (F.S. Division)Location: Dak Bhavan, New Delhi – 110001Date: 30.04.2025
Subject: Extension of e-KYC functionality for opening MIS, TD, KVP, and NSC scheme accounts.
Key Directives
Implementation of e-KYC:
Aadhaar-based e-KYC introduced nationwide for:
- New customer onboarding (CIF creation).
- Opening Single/Individual POSA accounts (since 06.01.2025).
- MIS, TD, KVP, and NSC accounts (enabled from 23.04.2025).
Process for Account Opening:
- Use CMISAOP menu; obtain biometric consent twice (initial and before submission).
- No pay-in-slip required for Aadhaar-authenticated deposits; amount in SB-eKYC-AOF is considered valid.
Fund Transfer Rules:
- Funds can be transferred from Single/Joint-B POSA accounts for MIS/TD/KVP/NSC.
- No SB-7 withdrawal form needed for biometric-authenticated transfers.
Transaction Handling:
- Paperless ledger posting: No checker verification required for Aadhaar-authenticated transactions.
- All transactions logged in "EKYC long book detailed report".
Aadhaar Data Privacy:
- Mask Aadhaar numbers (xxxx-xxxx-____) on all forms/documents.
- Postmasters must ensure compliance manually if unmasked Aadhaar is submitted.
Future Developments:
- Functionalities for account closure, transfer, and nomination changes via biometric authentication are under development.
Compliance & Circulation
Circles/Post Offices must:
- Ensure paperless KYC diligence for new/existing customers.
- Mask Aadhaar details in all legacy documents (AOF, KYC forms).
- Order recipients: Includes Heads of Circles, NSI, MOF, Unions, and audit bodies.
Approval Authority:
- Signed by Gourav Jain, Assistant Director General (FS-II).
Attachments:
- Copy to 15 entities (e.g., DG Postal Services, NSI, Unions, Hindi translation unit).
Updates:
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