**Executive Summary**
This document is the answer to Unstarred Question No. 2068, addressed to the Minister of Communications regarding the digitization of Post Office Savings Schemes, to be answered on 11th February, 2026. It confirms that the Department of Posts has taken measures to modernize and digitize these schemes, and that all Post Offices are working on digital platforms. Initiatives like internet banking have improved customer convenience.
**Key Points / Main Content**
* **Modernization and Digitization:**
* Core Banking Solution (CBS) and digital services such as ATMs, internet and mobile banking have been enabled.
* Online account opening/closure, deposits, real-time balance enquiry through online banking, fund transfers are available.
* **India Post Payments Bank (IPPB) Services:**
* IPPB offers services such as savings and current accounts, Virtual Debit Card, Domestic Money Transfer services.
* Bill and utility payments, insurance services, online payment for Post Office Savings schemes are also available.
* Digital Life Certificate (DLC), Aadhaar enabled Payment System (AePS), mobile number update in Aadhaar and Child Enrolment services are offered.
* **Digital Platform:**
* All post offices are working on a digital platform.
* **Transactions Enabled:**
* Internet banking enables transactions under schemes like National Savings Certificate (NSC), Kisan Vikas Patra (KVP) and Senior Citizens Savings Scheme (SCSS).
**Impact Analysis**
**Stakeholder:** Post Office Savings Bank (POSB) Account Holders
* **Impact:** Enhanced ease of access, transparency and financial inclusion due to modernization and digitization. Broader range of services available through IPPB.
* **Action Required:** Explore and utilize the available digital services for improved convenience.
**Stakeholder:** Department of Posts
* **Impact:** Improved customer convenience and enhanced ease of operations through internet banking.
* **Action Required:** Continue to improve the provided services.
Key Entities Referenced
Post Office Savings Schemes: Schemes offered through India Post, being digitized.
Department of Posts: The department responsible for the post office network and the digitization of savings schemes.
India Post Payments Bank (IPPB): Platform connected to post offices for online banking services.
Core Banking Solutions (CBS): Technology used to integrate post offices and enable online transactions.
National Savings Certificate (NSC): One of the savings schemes offered through the Department of Posts being discussed in the context of digital transactions.
GOVERNMENT OF INDIA
MINISTRY OF COMMUNICATIONS
DEPARTMENT OF POSTS
LOK SABHA
UNSTARRED QUESTION NO. 2068
TO BE ANSWERED ON 11TH FEBRUARY, 2026
DIGITISATION OF POST OFFICE SAVINGS SCHEMES
2068. DR. D RAVI KUMAR:
Will the Minister of COMMUNICATIONS be pleased to state:
(a) whether the Government is aware that India Post operates over 1.64 lakh post offices, serving
more than 45 crore postal savings account holders and the measures taken to modernise and digitise
post office savings schemes to enhance ease of access, transparency and financial inclusion and if
so, the details thereof;
(b) whether 100% of post offices have been brought under the Core Banking Solutions (CBS)
and connected through the India Post Payments Bank (IPPB) platform to enable online deposits,
withdrawals, fund transfers, and real-time balance enquiries and if so, the details thereof;
(c) whether any post offices remain outside full digital integration and if so, the reasons therefor
and the time-bound roadmap for their completion; and
(d) whether the impact on new digital platforms, mobile apps, and paperless services, including
IPPB Mobile Banking, have been introduced to facilitate transactions under schemes such as NSC,
KVP and Senior Citizens Savings Scheme and if so, the details and impact thereof?
ANSWER
MINISTER OF STATE FOR COMMUNICATIONS AND RURAL DEVELOPMENT
(DR. PEMMASANI CHANDRA SEKHAR)
(a) &(b) Yes Sir. The Department of Posts through a network of over 1.64 lakh Post Offices
serves more than 45 crore Post Office Savings Bank (POSB) account holders. To modernise and
digitise Post Office Savings Schemes, Core Banking Solution (CBS) along with digital services such
as ATMs, internet and mobile banking, online account opening/closure, deposits, real-time balance
enquiry through online banking, fund transfers through NEFT/ RTGS, IPPB–POSA linkage, etc.,
have been enabled in POSB through its CBS platform. In addition to facilities given to POSB
customers, India Post Payments Bank (IPPB) is offering its customers a range of services such as
savings and current accounts, Virtual Debit Card, Domestic Money Transfer services, bill and utility
payments, insurance services for IPPB customers, online payment for Post Office Savings schemes,
Digital Life Certificate (DLC), Aadhaar enabled Payment System (AePS), mobile number update in
Aadhaar for any citizen and Child Enrolment services for any child of 0-5 years old. All these services
are contributing towards enhancing ease of access, transparency and financial inclusion.
(c) No Sir. All post offices are working on digital platform.
(d) Department of Posts through internet banking, enables transactions under the scheme such as
National Savings Certificate (NSC), Kisan Vikas Patra (KVP) and Senior Citizens Savings Scheme
(SCSS). These initiatives have improved customer convenience and enhanced ease of operations.
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