No. 25-01/2018-FS-CBS
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi – 110001
Date: 22.06.2026
To
All Head of Circles
Madam / Sir,
Kindly find enclosed SB Order No. 06/2026 dated 22.06.2026 along with the detailed Standard Operating Procedure (SOP) on the subject cited above.
The e-KYC functionality along with BO inter-operability has been made operational Pan-India w.e.f. 22.06.2026.
A training course on these functionalities has also been developed and is available on the Dak Karmayogi and iGOT portals. All Circles are requested to instruct the concerned staff to complete the mandatory training to ensure better understanding and smooth implementation.
It is reiterated that vide SB Order No. 17/2017 dated 03.10.2017, linking of a mobile number was made mandatory for new POSB account opening. Subsequently, vide SB Order No. 01/2022 dated 13.01.2022, it was decided that transactions shall not be permitted in accounts not linked with a mobile number.
Therefore, mobile number shall now be mandatory for customers initiating e-KYC and Aadhar authenticated transactions.
The Circles should launch a campaign to ensure the linking of customers' mobile number with their account. It is to be noted that with effect from 01.09.2026, no transactions through DREAM app shall be allowed in Accounts that are not linked with mobile number.
Wide publicity may be given regarding availability of eKYC and interoperability enablement in BOs, and these instructions may be circulated to all Post Offices for information, guidance, and necessary action.
This issues with the approval of the Competent Authority.
Yours faithfully,
(Devender Kumar Sharma)
Assistant Director (SB-II)
No. 25-01/2018-FS-CBS
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi – 110001
Date: 22.06.2026
To
All Head of Circles / Regions
Subject: Introduction of e-KYC operations and Inter-operability of POSB accounts in Branch Post Offices.
Madam/Sir,
e-KYC enabled POSB account opening and transactions through Aadhaar Authentication basis was introduced in Departmental Post Offices across the country w.e.f. 06.01.2025. A detailed SOP was circulated vide SB Order No. 01/2025 dated 01.01.2025.
In continuation, it has been now decided to introduce the e-KYC based transactions in Branch Post Offices (BO). Accordingly, in the Phase-I, the following functionalities are being introduced in Digital Rural Enterprise Application for Mobiles (DREAM) application used in BOs w.e.f 22.06.2026 for-
I. Conversion of existing Customer Information File (CIF) to Aadhaar based e-KYC CIF through biometric authentication.
II. Acceptance of deposits up to ₹50,000/- in PO Savings Accounts (POSA), Recurring Deposit (RD) Accounts and Sukanya Samriddhi Accounts (SSA) on bio-metric authentication of the depositors, without pay-in-slip.
III. Allowing of withdrawals up to ₹20,000/- in POSA accounts on bio-metric authentication of the depositors, without withdrawal slip.
IV. The facility will be available only for single-type accounts and not for minor/Joint accounts.
V. For high value deposits and withdrawals, BPM should follow the existing paper-based process of obtaining the withdrawal application form and taking approval of the respective Accounts Office.
At present, BOs are allowed to perform transactions only in the accounts standing at the BOs concerned. On introduction of Aadhaar authenticated e-KYC transactions in BOs, it has been decided to introduce BO inter-operability i.e., the BOs shall henceforth, be enabled to perform transactions in an account standing in any post office, through Aadhaar authentication. Non-Aadhaar authenticated transactions shall continue to be performed only in the accounts standing in the same BO.
It is reiterated that vide SB Order No. 17/2017 dated 03.10.2017, linking of a mobile number was made mandatory for new POSB account opening. Subsequently, vide SB Order No. 01/2022 dated 13.01.2022, it was decided that transactions shall not be permitted in accounts not linked with a mobile number.
Thus, mobile number shall be mandatory for customers initiating e-KYC and Aadhar authenticated deposits and withdrawal transactions. With effect from 01.09.2026, no transactions through DREAM app shall be allowed in accounts which are not linked with mobile number.
Aadhaar number and Mobile number linked CIFs can be converted into e-KYC CIF on the basis of digital consent obtained from the customers. While converting to e-KYC CIF, the details namely Name of the Customer, C/o Name (Father/Husband’s Name), Date of Birth, Gender and Address with PIN Code will be fetched from Central Identities Data Repository (CIDR) of Unique Identification Authority of India (UIDAI).
There is no provision to edit any of the above fetched data. If any data is not fetched or fetched partially in case of any of the customer, such customer’s CIF will not be converted to e-KYC CIF and the customer should be requested to update the Aadhaar with correct information for performing Aadhaar authenticated transactions in the POSB Accounts. Such customers shall continue to operate the accounts performing paper-based transactions, till updations.
If any e-KYC enabled depositor approaches the BOs, for any change in the customer information like updation of address/PAN, submits DBT Mandate request or e-Banking/M-Banking Activation etc., the depositor may be requested to visit the Account Office. In case of non e-KYC customers, existing process for change in KYC details etc. shall be continued.
The BO Daily Transaction Report has been updated to identify the Aadhaar authenticated and voucher-based transactions.
Separate reports of all the Aadhaar Authenticated Transactions “EKYC Long Book Consolidation Report (SDP & AO)” and “EKYC Long Book Detailed Report (SDP & AO)” shall be available in the Reports Menu (HFINRPT), for the Account Offices, in Finalce Production and MIS Environment.
A detailed Standard Operating Procedure (SOP) is enclosed herewith.
It is once again reiterated that:
a) in any record / document / application like AOF etc., if the Aadhaar Number is required to be written on such document, it should be ensured that only masked Aadhaar Number is written, in the form of 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 by any available means.
b) All the post offices including branch 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.
A training course on “Introduction to e-KYC functionalities in the DREAM application for GDS” has been created and is available on the Dak Karmayogi and iGOT portals. All Circles are requested to instruct the concerned staff to undergo the mandatory training to ensure better understanding and smooth implementation of the functionalities.
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
(Devender Kumar Sharma)
Assistant Director (SB-II)
Copy to:
- Sr. PPS to Secretary (Posts)
- Sr. PPS to Director General Postal Services
- PPS/ PS to Member (Financial Services)/Member (O)/Member (P)/ Member (HRD)/ Member (Tech)/ Member (Service Quality and Marketing), Member (Infrastructure), JS & FA
- Addl. Director General, APS, New Delhi
- Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate.
- CGM, CEPT for kind information and necessary action.
- Sr. Deputy Director General (Vig) & CVO) / Sr. Deputy Director General (PAF)
- Director, RAKNPA / Directors of all PTCs
- Director, CPRC Chennai.
- Director General P & T (Audit), Civil Lines, New Delhi
- Secretary, Postal Services Board / All Deputy Directors General
- All General Managers (Finance) / Directors Postal Accounts / DDAP
- The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
- The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.
- All recognized Federations / Unions / Associations
- Guard File/e-File.
(Devender Kumar Sharma)
Assistant Director (SB-II)
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