SB Order No.
01/ 2025
No. 25-01/2018-FS-CBS
Govemment of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi - 1 10001
Date: 01 .01 .2025
To
AII Head of Circles / Regions
Subject: lntroduction of paperless KYC (e-KYC) process and Post Office Savings
Bank (POSB) Account opening & Transactions through Aadhaar
Biometric Authentication -R arding.
Madam / Sir,
As a maior initiative, it has been decided by competent authority to introduce paperless
KyC process and POSB account opening and transactions through Aadhaar Authentication
basis (e-KyC). The e-KYC based account opening is proposed to be implemented in phased
manner. Accordingly, it has been decided that onboarding of new customers (Creation of
Customer Informiti,on File (CIF)) and opening of Single & Individual Type Post Ollce
Savings Account (POSA) in Departmental Post Offices through Aadhaar based e-KYC
pro..* ur. done in Phase - I and necessary changes have been made in Finacle-cBS.
2. The following new Finacle menus are introduced'
S.No Menu e
1 ECCRC Creation of CIF through Aadhaar Authentication (e-KYC CIF
creation) and changing the existing CIF to e-KYC CIF through
Re-KYC rocess
2 ECMRC Modification of CIF through Aadhaar Authentication (e-K YC
CIF modification
Changes in the following menus have been made.
S.No Menu Chan e in brief
I CASBAO Provision for opening of Single Individual (Adu It) type
POSA throu Aadhaar authentication usin e-KYC CIF
2 CAST]AM Provision for Modification in e-KYC based POSA throug h
Aadhaar Authentication
3 CTM Option lor Transaction in POSA through Aadhaar
4 CXFER Authentication and through Pay-in-Slip or Withdrawal Fornt
Pa er-based
5 CICD System will show the masked Aadhaar number and re ference
number for the e-KYC CIFs
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3' cIF of the customers who are_willing to provide the consent
for Aadhaar e-Kyc shal
be created on Aadhaar Biometric Authentr"i'tion
u^rl,
be fetched from centrar Identities Data Reposit".y
such case the forlowing details will
iCiozu ofUnique Iden,in."ii""rarrn".iry
of India (UIDAD.
Name of the Customer
C/o Name (Father / Ilusband,s Narre)
Date of Birth
Gender
Address with pin code
The above fetched data cannot be edited.
Howeve r, if c/o Name (Father / Husband.s
Name).is not received, option is available
to edit the same. Ifany other data is not fetched
fetched partially in case of any' of the or
KYC cIF and the customel should"u*o-"r,
.r.t customer,s cIF will not be created as e_
be requested to update the Aadhaar with correct
information for performing Aadhaar uuth"nir"ut"J
transactions in the poSB Accounts.
otherwise, such customers_ cIF may b. ...ui"J
folrowing ,r," .,.,rrirJ p".cess. Anv
modification in the e-Kyc crF shall te onry
on Aadhaar Authenticarion o.rt, .; J'Jil
without the presence of the customer, no modification "rJAadhaar
in e-Kyc cIF is allowed.
authenticated cIF related modifications require
no u..iti.ution by the checker in Finacre.
4. Deposits and withdrawals (credits and Debits)
from the poSA linked with e_Kyc
clF shall be allowed either .n Aadhaar Authentication
basis or paper-basis (voucher basis).
when any deposit is made by person other than
J.p"ri,"r, it wiil be processed on paper-basis
(pay-in-slip shalr be colected). The existing
p.o."r, ,t utt be follor.ved for all the paper-based
(voucher based) transactions.
5. Changes related to other pOSB schemes
and im
vet to be maie in Finacle. r,r suchchanges ... ir"iil;:::Lf;;,"f,",;.ffiHfi?
the customers in physical fonn for Aadhia. -"0.,'f
with the specimen signature of the
"-Kyc;l;ng
depositors and upload the signature in Finacle.
er.tt-, account opening form with minimum
information shall also o" up^p.or.a rpl.iiens of the consent form
"orrrrt'!"
Opening Form (SB-eKyC- 1 & SB -eKY^C'-AOF,
;;; ;""hed herewith
and Accounr
6' No voucher (pay-in-slip) shall be collected
for any deposit transaction irrespective of
transaction amount and for the withdrawal
transactions amounting to { 5.000/_ or less.
transaction is performed on Aadhaar Autt rvhen
Ua.is.
"nticutlo,
7 ' Aadhaar Authenticated rransactions u,ill
directry
----"J be posted in the Finacle ledgers and
require no verification by the checker.
8 A separate report of ail the Aadhaar Authenticated
rransactions ,,EKyc Long Book
Detailed Report,' shall be available
i, tf,. n.p*t, ff4"ru (HFINRPT).
9. A detailed Standard Operating procedure (SOp)
is attached herewith.
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10. lnPhase I, only Single Type POSA inctuding Basic Savings Account can be
-
opened on Aadhaar Authentication basis. For opening ofall other types ofPOSA and other
schemes accounts, e-KYC CIF may be created and accounts shall be opened in Finacle as per
the existing process. Besides, all other operations like Account Closure, Transfer ofAccounts
etc. shall be performed in Finacle as per the existing process on submission of applications
concemed.
I t. should be ensured that in any record / document / application like AOF etc, if the
11
Aadhaar Number is required to be written on such document, it should be ensured that only
rnasked Aadhaar Number is rvritten, in the lorm of XXXX-XXXX--. lf 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.
12. Though the presence of depositor is not mandatory when the accounts are opened
through SAS agents and MPKBY agents, they may be encouraged to make the customers
presence in the post offrce at the time of opening of account, to perforn-r e-KYC due diligence.
13. All the 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.
14. Circtes should ensure that paperless KYC due diligence is performed lor all the new
customers and existing account holders for ease of KYC compliance and other benefits to the
customers and Department.
15. eKYC functionality has been rolled out in l2 Head Post Offices and 2 Sub Post Oflces
in various circles on pilot basis w.e.f. 26.11 .2024. The same will be operational pan India
w.e.f.06.01.2025.
16. It is requested to circulate these instructions to all post offices for information and
guidance.
This is issued with the approval of Competent Authority
Yours laithlully
Encl: Detailed SOP /rr 1
L-) \
(Go av iu )
Assistant Director General (FS-ll )
314
Copy to: -
1. Sr. PPS to SecretarY (Posts)
2. PS to Director General Postal Services' (P)/ Member
- pps/ pS to& Addl.
3. oc tco-oraination)/Member (Banking)/I\4ember (o)/Member
(Tech)/AS & FA
ipf"*irg HRD)/\4ember (PLI)/Member
4. Addl. Director General, APS, New Delhi
5. Chi.f G"n"rul Manager, BD Directorate / Parcel Directorate / PLIGeneral (PAF)
Directorate
O. l.pr,ty Director Generat (Vig & CVO) / Sr Deputy Director
S..
7. Directlr, irerNp,q I GM, CEPT / Directors of all PTCs'
8. Director'General P & T (Audi|, Civil Lines' New Delhi
General
O. i.".",u.y, Postal Services Board/ All Deputy Directors
/ DDAP
iO.ett C"n"rut Managers (Finance) / Directors Postal Accounts
MOF (DiA), NS-II Section' North Biock' New Delhi'
ii.it. una". Secretary, goo,
12.The Joint Director a \ational savings Institute, ICCW Building,4 Deendayal upadhyay
Marg, New Delhi-1 10002'
13. All recognized Federations i Unions / Associations
Hindi language.
i;. ;.pr,y iirector (oL) for information and translation of the order in
15. Guard File
1\
+
g
(G ourav a in)
Assistant Director General (FS-ll)
414
