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How to create India Post Payments Bank account with no commitment of minimum balance

How to create IPPB account

India Post Payments Bank (IPPB) is launched by Prime Minister Narendra Modi on September 1, 2018.  It will have 3 types of accounts Regular Savings Account, Digital Savings Account and Basic Savings Account. You can create a Digital Savings account using the Mobile application. As of now the application is only available for the Android devices. All three types of accounts will not have a commitment of minimum balance and also you will get Free quarterly account statement.

A maximum yearly cumulative deposit of Rs. 2 lakhs is allowed in the account if you are using Digital Savings Account , but you can connect it with Post Office Savings account

Here is How to create India Post Payments Bank Digital Savings account if you have PAN Number and Aadhaar Number

1. Download IPPB mobile application from Play store – Link

How to create India Post Payments Bank account

2. Open the application it supports different regional languages (Hindi, Tamil, Telugu, Kannada, Malayalam, Odiya, Bengali, Assamese, Punjabi, Gujarati, Marathi and Urdu), you can switch to your regional language if you want

IPPB language

3. Click “Open Your Account Now” and enter your  mobile number (OTP will be send to this phone number) and PAN number and click continue


4.  On the next screen you need to enter the Aadhaar number , if you have the card with you it will be easier if you scan the QR code on the card, otherwise you will have to enter the Aadhaar card twice to confirm it.


This will work if your name on the Aadhaar and PAN card are same


You will have to authenticate the mobile number and Aadhaar numbers by entering OTP (Aadhaar OTP will be send to the mobile number connected to Aadhaar, if you have not connected Aadhaar with Mobile number you can do it from the UIDAI website).

To Login you will need Account Number, Customer ID, Date of Birth and Mobile number.

The application may take time at some points.

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