How to Activate Post Office Mobile Banking

To enable Post Office Mobile Banking, submit the prescribed form at your home post office. Once the facility is enabled, you will receive an activation code within 48 hours. After activation, you will be able to view balances and transfer funds online.

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Methods to Activate Post Office Mobile Banking

There are two key steps to activate mobile banking services for your Post Office Savings Account.

Activation via Post Office Branch

If you prefer offline support, follow the steps below to activate mobile banking at your nearest post office branch:

  • Visit Your Home Post Office: Carry your Post Office Savings Account details and the documents required by the concerned Post Office.
  • Request the Activation Form: Ask for the prescribed Post Office Savings Bank (POSB) mobile banking service request form.
  • Submit the Form with ID Proof: Hand over the completed form and your ID proof.
  • Receive Activation Code: Once the facility is enabled, you will receive an activation code on your registered mobile number within 48 hours.

Activation Through the India Post Mobile Banking App

After submitting the mobile banking request at the post office, use the India Post Mobile Banking app to complete the activation process. Follow the steps below to get started:

  • Launch the App: Download the India Post Mobile Banking app from the relevant app store.
  • Complete New User Activation: Use the activation code to proceed with the ‘New User Activation’ process.
  • Fill-in Details: Enter the security credentials provided by the Department of Posts for mobile banking activation.
  • Get the OTP: An OTP will be sent to your registered mobile number.
  • Verify the OTP: Enter the received OTP to verify your details.
  • Set your 4-digit MPIN: Set your MPIN to complete the mobile banking registration.

Key Services Offered Through Post Office Mobile Banking

The Post Office Mobile Banking facility allows eligible Post Office Savings Bank customers to access banking services digitally. Key services include:

  • Balance Enquiry: Check your Post Office Savings Account balance.
  • Account Statements: View and request account statement.
  • Fund Transfers: Transfer funds through the available Post Office banking services, subject to applicable conditions.

Eligibility Criteria for Post Office Mobile Banking

To use Post Office Mobile Banking, customers need to meet the following requirements:

  • Eligible Account: Have a Post Office Savings Account in a CBS-enabled post office.
  • Internet Banking: Have the Internet Banking option enabled for the Post Office Savings Account.
  • Mobile Banking Activation: Submit the prescribed mobile banking request at the concerned Post Office and complete the subsequent activation process using the activation code.
  • Account Type: Single and Joint ‘B’ account holders are eligible for the facility.
  • Ineligible Accounts: Joint A accounts, minor accounts, illiterate accounts and Branch Office accounts do not qualify for mobile banking.

Key Takeaways

When using mobile banking, ensure your mobile number is registered with your Post Office Savings Account. If not already done, open Post Office Savings Account first. If you face issues linking your account or prefer in-person help, visit your nearest post office.

FAQs

  • Where do I get the Post Office Mobile Banking activation form?

    The mobile banking activation form is available at your home post office branch. Give the filled form at the branch to start mobile banking activation.
  • How do I check if my Post Office account is active or not?

    You can visit your home post office branch and request the staff to verify your Post Office Savings Account status. You can also check your account details through available Post Office banking services.
  • How do I activate my Post Office Mobile Banking?

    Submit the required mobile banking activation request form at your home post office branch. After receiving the activation code, complete the activation process through the India Post Mobile Banking app.
  • How to get an mPIN for Post Office Mobile Banking?

    During the activation process, follow the app instructions to complete verification and set your MPIN.
  • What app can I use for Post Office banking?

    You can use the India Post Mobile Banking app for eligible Post Office Savings Bank accounts.
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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Past 10 Years' annualised returns as on 01-09-2026

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

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¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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