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What is India Post Mobile Banking Facility? Research Team | Posted On Wednesday, October 16,2019, 05:46 PM

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What is India Post Mobile Banking Facility?



Opening post office savings account just got easy. The Department of Post has launched mobile banking for savings account customers. The mobile banking facility comes just a year after internet banking facility for savings account holders was launched.

To avail mobile banking facility at Post office, you must have a valid email ID, valid PAN and a valid unique mobile number. You would find the customer ID printed on the first page of your passbook. The customer ID must be updated with first and last name, DOB, father’s name, permanent and present address, mobile and PAN number and mother’s maiden name.

Who Can Open Mobile Banking Facility?

You must have post office savings account in CBS (Core Banking Services) post office. You need a valid login and transaction credentials of internet banking. Mobile can be enabled after enabling net banking option at customer ID level by the service outlet. Single and Joint B account holders are eligible for mobile banking facility. Branch office accounts, minor, illiterate and Joint A accounts are not eligible for mobile banking facility.

Joint A Account: The Joint A accounts are opened by two or three adults and are operated jointly or by survivor.

Joint B Account: The Joint B accounts are opened by two or three adults by either of them or either of the survivor.

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What is India Post Mobile Banking Facility?

Apply for mobile banking facility

If you meet the eligibility criteria to open post office savings account, you can apply for the mobile banking facility at CBS post office and not branch offices. You (savings account holder), must submit the duly-filled form. The Post Office savings bank ATM card, internet, mobile and SMS banking service request form is available at the post office.

If your KYC is not complete, then you would have to get it completed. You must undergo KYC process while submitting request form. The form must be submitted only at the CBS post office where your savings bank account is held.

The mobile number must be unique to each customer and the same mobile number can’t be used for other customer IDs. After the form is submitted, the mobile banking facility gets enabled within 24 hours. Download ‘India Post Mobile Banking’ app from Google Play Store.

The user ID is the CIF ID and transaction password is the password set via internet banking facility.

Facilities you enjoy through mobile banking

These are the facilities you (post office savings account holder), can avail via mobile banking facility. You get account balance and details of savings, recurring deposit, loan against recurring deposit, PPF, time deposit, NSC and loan against PPF.

You also get transaction history for savings, recurring deposit, time deposit, PPF, loan against PPF and NSC. You also get a mini statement of savings and PPF. You can make a fund transfer between your savings bank account and other post office savings account holders.

You can transfer funds between your savings bank account to your own/linked recurring deposit and loan against recurring deposit accounts. You can indulge in fund transfers from your savings bank account to own/linked PPF accounts. You can request for RD account opening and time deposit account opening. You can also make a request to stop cheque payments.

If you want to disable mobile banking facility, you can do so by visiting the post office branch. The mobile banking facility gets disabled in 24 hours.

See Also: What Is Bank Guarantee?

How to activate India Post Mobile Banking App?

  • You simply open the app and click on activate mobile banking button.
  • You then enter the security credentials given by the department of post.
  • The OTP would be sent to registered mobile number.
  • After a successful validation, you (account holder) would be asked to enter the 4 digit MPIN.
  • While logging into the mobile banking app, enter user ID and new MPIN.

Lodge a Grievance on post office mobile banking

If you have complaints regarding mobile banking, you can call on the toll-free number 1800-425-2440 or even send an email at [email protected]. If you lodge a complaint at CBS post office, the complaint would be accepted and forwarded to the above email ID.

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