Post office savings account how to open?

Opening a Post Office Savings Account: A Step-by-Step Guide

Post Office Savings Account is a popular choice for those seeking a safe and secure way to save money with the added advantage of easy accessibility. Offering a variety of savings schemes, the Post Office provides individuals with an opportunity to grow their savings while enjoying attractive interest rates and government-backed security. If you’re considering opening a Post Office Savings Account, here’s a comprehensive guide to help you through the process.

Step 1: Choose the Type of Account

The first step in opening a Post Office Savings Account is deciding which type of account suits your needs. Post Offices typically offer various types of savings accounts, including:

  1. Savings Account: A basic savings account where you can deposit and withdraw money as needed.
  2. Recurring Deposit Account: Allows you to save a fixed amount of money regularly for a predetermined period, earning interest at the applicable rates.
  3. Fixed Deposit Account: Offers higher interest rates for fixed deposits made for specific durations.

Step 2: Gather Required Documents

Once you’ve chosen the type of account, you’ll need to gather the necessary documents for opening the account. Typically, the following documents are required:

  1. Identity Proof: Any government-issued photo identification such as Aadhar Card, Passport, Voter ID, or Driving License.
  2. Address Proof: Documents like Aadhar Card, Passport, Utility Bills (electricity, water, telephone), or Rent Agreement.
  3. Passport-sized Photographs: You may need to provide a few recent passport-sized photographs.

Ensure that you have both original documents and photocopies for submission.

Step 3: Visit the Nearest Post Office

With your documents in hand, visit the nearest Post Office branch. Approach the counter designated for opening new accounts, and the staff will provide you with the necessary forms and guidance.

Step 4: Fill in the Application Form

Carefully fill in the application form provided to you. Double-check all the details to ensure accuracy and completeness. If you have any doubts or questions, don’t hesitate to ask the staff for assistance.

Step 5: Submit the Application Form and Documents

After filling out the form, submit it along with the required documents to the staff at the Post Office counter. They will verify the documents and process your application.

Step 6: Deposit Initial Amount

Depending on the type of account you’re opening, you may need to make an initial deposit. The staff will inform you about the minimum deposit requirement and assist you in making the deposit.

Step 7: Receive Passbook/Account Details

Once your application is processed and the initial deposit is made, you will receive a passbook or account details, depending on the type of account. The passbook will contain details of your account, including account number, name, address, and transaction history.


Opening a Post Office Savings Account is a simple and straightforward process that offers individuals a convenient way to save and grow their money. With minimal documentation requirements and attractive interest rates, Post Office Savings Accounts provide a safe and reliable avenue for financial planning. By following the steps outlined in this guide, you can easily open a Post Office Savings Account and take the first step towards achieving your savings goals. Visit your nearest Post Office today and start securing your financial future.