India Post Doorstep Banking and Services: 117 Services in 17 Categories

In an era of digital payments and online banking, there is still one basic need that remains constant—cash in hand. Traditionally, to withdraw money, people must visit a bank branch, stand in long queues, or travel to an ATM. For senior citizens and those in remote areas, this can be an even greater challenge. Recognizing this gap, the Department of Posts has introduced an innovative solution: doorstep banking and postal services through India Post Payments Bank (IPPB).

With just a phone call, a postman or branch postmaster can visit your home and deliver essential services—including cash withdrawals, bill payments, insurance, and even account opening. In total, India Post now offers 117 different services under 17 major categories at the customer’s doorstep, bringing convenience and financial inclusion closer than ever.

What Is Doorstep Banking by India Post?

India Post Payments Bank (IPPB), a subsidiary of the Department of Posts, has empowered more than 300,000 postmen and Gramin Dak Sevaks across the country with micro-ATMs, Aadhaar-enabled payment devices, and digital tools. These frontline staff act as mobile bankers, reaching even the remotest corners of India.

This means customers no longer need to step out for routine financial or postal tasks—the postman comes to you.

17 Categories of Services Offered

Here’s a breakdown of the key categories under which the 117 services are provided:

1. Account Opening – Savings, Salary, and Current Accounts can be opened instantly through paperless e-KYC.
    
2. Merchant Onboarding – Current accounts and QR-based payment solutions for shopkeepers and small businesses.
    
3. Cash Transactions – Deposits and withdrawals from IPPB and other Aadhaar-linked bank accounts.
    
4. Money Transfers – NEFT, IMPS, UPI, and Aadhaar-enabled transfers at the doorstep.
    
5. Bill Payments & Recharges – Electricity, water, gas, broadband, DTH, and mobile payments made easy.
    
6. Account Services – Mini statements, PAN/nominee updates, Aadhaar linking, QR card issuance.
    
7. AePS (Aadhaar Enabled Payment System) – Balance enquiry, mini statement, withdrawals, and fund transfers.
    
8. Third-Party Products – Insurance (life, health, motor, accident) and mutual fund investments.
    
9. Postal Savings Schemes – Sukanya Samriddhi, PPF, RD, Senior Citizen Savings, and Postal Life Insurance premiums.
    
10. Pensioner Services – Issuance of Digital Life Certificates (Jeevan Pramaan) and pension account assistance.
     
11. Aadhaar & Biometric Services – Aadhaar seeding and biometric authentication for secure transactions.
     
12. Paperless Account Opening – Instant activation of accounts with e-KYC and QR cards.
     
13. Assisted Services – Support for elderly or digitally unfamiliar users for payments and insurance.
     
14. Technology Features – Micro-ATMs, OTP-based secure payments, WhatsApp banking, and UPI transactions.
     
15. Cash Management – Corporate salary disbursal, bulk deposits, and cash pickup for businesses.
     
16. Rural & Remote Services – Delivery of government scheme payments, DBT, MNREGA wages, and pensions.
     
17. Complaint & Support Services – Service requests, complaints, failed transaction resolution, and feedback collection.
    
    Also included:

Aadhaar Enabled Payment System (AePS)

One of the most important features of India Post doorstep banking is AePS transactions. Customers can:

• Share their Aadhaar number with the visiting postman.
   
• Authenticate transactions using fingerprint/biometric verification.
   
• Instantly see all Aadhaar-linked bank accounts and balances.
   
• Withdraw up to ₹10,000 per day at home, without visiting a bank or ATM.
   

International Mail Services

Sending letters and parcels abroad is now easier than ever. Without visiting a post office or courier center, customers can:

• Send letters, speed posts, and international parcels directly from home.
   
• Access stamps and stationery services delivered by the postman.
   
• Send both ordinary and registered posts without hassle.
   

Instant Account Opening in 10 Minutes

Opening a new bank account usually involves long forms and waiting times. But with IPPB:

• Accounts can be opened in 5–10 minutes using Aadhaar, PAN, and simple KYC.
   
• Customers can deposit, withdraw, and transfer money easily.
   
• A total of 14 types of banking services are available through the postman’s digital tools.
   

Savings & Investment Schemes at Home

No need to travel to a post office to invest in government-backed schemes. Through doorstep service, you can open:

• Recurring Deposit (RD) accounts
   
• Sukanya Samriddhi Yojana for girl child savings
   
• Senior Citizens Savings Scheme (SCSS)
   
• Other postal savings accounts
   

In total, 16 types of savings services are available at your doorstep.

Spiritual and Religious Services

India Post has also introduced unique offerings for devotees:

• For those unable to travel, pearls (Mutyala Thalambralu) from Bhadrachalam Sitaram Kalyanam can be delivered home.
   
• Arrangements can be made for archana (puja) services at famous temples, with prasadam delivered to your doorstep.
   

Insurance Policies at Home

India Post offers 12 types of Rural Postal Life Insurance (RPLI) and Postal Life Insurance (PLI) products. The postman will:

• Explain all available policies at your home.
   
• Help you choose the right insurance plan.
   
• Complete documentation without you visiting the post office.
   

Digital Life Certificate for Pensioners

Every year, pensioners must submit a life certificate to continue receiving pensions. With India Post doorstep services:

• The certificate can be generated using Aadhaar-based biometric verification.
   
• No need to visit Mee-Seva centers or government offices.
   
• The Jeevan Pramaan Digital Life Certificate is instantly completed at home.
   

Government Scheme Disbursements

Funds from various government schemes can now be received directly at home through AePS-enabled micro-ATMs carried by postmen. Beneficiaries can withdraw money from:

• PM-Kisan payments
   
• Rythu Bharosa (farmer support schemes)
   
• LPG subsidy
   
• Welfare pensions (such as old age and widow pensions)

 

Why This Matters

• Convenience: Citizens can complete financial and postal tasks without leaving home.
   
• Inclusion: Rural populations and senior citizens gain access to modern banking.
   
• Security: Aadhaar-based authentication and OTP services ensure safe transactions.
   
• Scale: With over 1.6 lakh post offices and 300,000+ postmen, India Post covers even the remotest villages.
   

How to Avail the Services

Booking doorstep banking is simple:

• Call the toll-free number 155299 or contact your nearest post office.
   
• Choose your required service (cash delivery, bill payment, account opening, etc.).
   
• A postman or branch postmaster will visit your home at the scheduled time.
   

Conclusion

With 117 services across 17 categories, India Post has truly transformed the traditional role of the postman into that of a doorstep banker and service provider. From cash withdrawals and pension life certificates to insurance and digital bill payments, these services are bridging the gap between citizens and financial institutions.