India Post Payments Bank (IPPB) extends the reach of the postal network with digital banking services. Completing IPPB KYC online is mandatory for opening accounts such as Regular Savings, DigiSmart, or Premium Savings. This article outlines the account opening process, IPPB KYC, and Post Office account options to help customers access banking services efficiently.
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Investment Plans
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under
10(10D))
KYC, or Know Your Customer, is a mandatory process for all bank accounts in India to verify a customer’s identity and address. IPPB KYC online allows you to complete the process remotely, using your smartphone or computer, including accounts linked to Post Office savings schemes. This eliminates the need to visit a branch physically, saving time and effort.
With IPPB KYC, customers can digitally submit their identification documents, address proof, and biometric verification. Once KYC is verified, the following types of Post Office accounts can be easily activated:
Completing your IPPB KYC online offers several advantages:
Convenience: You can complete the KYC process from anywhere without visiting a branch.
Faster Account Opening: Accounts can be activated quickly once your KYC is approved.
Access to Digital Banking: After KYC verification, you can use mobile banking, fund transfers, and Aadhaar-enabled services.
Secure Transactions: Digital KYC ensures your identity is verified securely, reducing fraud risks.
Eligibility for Post Office Services: Completing IPPB KYC is necessary for opening a Post Office account under IPPB.
Documents Required for IPPB KYC Online
To complete IPPB KYC, customers must provide valid identity and address proof. The following documents are commonly accepted:
Aadhaar Card: Serves as primary identity verification with demographic and biometric details.
PAN Card: Used for identity and financial verification.
Passport: Accepted as both identity and address proof.
Voter ID: Provides proof of identity and address issued by the Election Commission.
Driving License: Recognised as identity and address proof.
Utility Bills: Recent bills, such as electricity, water, or gas, can be submitted for address proof.
Additional Documents (if applicable): Minors may require parental consent. Premium Aarogya Savings Account applicants may need to submit supporting health insurance documents.
How to Apply for IPPB KYC Online?
Here’s a simple step-by-step process for completing IPPB KYC online:
Download the IPPB App: Download the IPPB app on your device. It is available for Android and iOS devices.
Select Account Type: Choose from Regular Savings Account, DigiSmart Account, or other account types.
Provide Basic Details: Enter your name, date of birth, mobile number, and email address.
Upload KYC Documents: Submit scanned copies or photos of identity and address proof.
Biometric Verification: Complete Aadhaar-based biometric authentication to verify your identity.
Review and Submit: Double-check the information and documents, then submit your application.
Receive Confirmation: Once your KYC is approved, you will receive a confirmation message, and your account will become active.
Key Takeaways
IPPB KYC online lets you open and operate an account without visiting a branch. Customers can choose from Regular, DigiSmart, Basic, Premium, or Premium Aarogya Savings accounts, with the option to link a Post Office Savings Account. Aadhaar-based biometric verification ensures secure identity checks using documents like Aadhaar, PAN, Passport, Voter ID, Driving License, or utility bills. By downloading the IPPB app, selecting the account type, uploading documents, and submitting details, the account is quickly activated, enabling full digital banking services.
FAQs
How can I update my KYC in IPPB?
You can update your KYC in IPPB by logging into the IPPB mobile app or website, selecting the KYC update option, and submitting the required documents for verification. Aadhaar-based authentication or OTP verification may be required to complete the process.
Can I do Post Office KYC online?
Yes, the IPPB app or website can complete Post Office KYC online. You must submit valid identity and address documents, and verify your Aadhaar details digitally.
Is IPPB mobile banking safe?
Yes, IPPB mobile banking is secure. It uses Aadhaar-based verification, OTP authentication, and encrypted transactions to ensure the safety of customer accounts and personal information.
How to submit KYC verification?
KYC verification can be submitted online by uploading scanned copies or photos of your identity and address proof through the IPPB app or website, followed by Aadhaar-based verification.
Can we submit a KYC form online?
Yes, IPPB allows customers to submit the KYC form online. The process involves document upload, Aadhaar authentication, and verification through the mobile app or website.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
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 01-10-2025
^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.
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
¶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).
Generate wealth Earn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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