An IPPB passbook is an official booklet issued to account holders that maintains a printed record of all transactions linked to their India Post Payments Bank account. It works as a physical statement that shows deposits, withdrawals, transfers, interest credits, and other financial activities.
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The India Post Payments Bank (IPPB) has expanded access to banking across rural and semi-urban areas through 650 branches and over 1.63 lakh post office access points. Among its services, the IPPB Passbook stands out as a simple tool that helps customers track transactions and monitor their account activity easily. The passbook also includes key account details such as your name, account number, customer ID, branch, and account type. While IPPB is known for its strong digital ecosystem, the physical passbook remains important for customers who prefer paper documentation or do not frequently use mobile banking.
Key Features of IPPB Passbook
The IPPB passbook comes with several convenient features that make day-to-day banking simpler and more transparent for customers:
Detailed Transaction Records: Every deposit, withdrawal, QR payment, remittance, Aadhaar-enabled transaction, and fund transfer is recorded in the passbook, offering complete transparency.
Physical Proof of Banking Activity: The passbook acts as a valid document for identity or address verification in specific scenarios. It also helps with loan applications, government subsidy tracking, and financial documentation.
Easy to Update: IPPB allows customers to update their passbook at both post offices and micro-ATMs operated by postal staff.
Secure & Tamper-Proof: All transactions are printed and verified through the IPPB system, reducing the chances of alterations or fraud.
Works Alongside Digital Statements: Even though the IPPB Mobile Banking App offers e-statements, the passbook is useful for customers who prefer offline tracking or live in low-connectivity areas.
Components of IPPB Passbook
An IPPB passbook typically includes the following key details:
Customer name
Customer ID
Account number
IFSC code
Post office/branch name
Opening balance
Date-wise transactions
Updated balance after each entry
Remarks/transaction type (ATM withdrawal, AEPS, DBT credit, UPI, etc.)
How to Get an IPPB Passbook?
Getting an IPPB passbook is a simple process. Customers can follow the steps provided below:
Visit the Nearest Post Office: Open an IPPB account by completing the application process at any nearby post office branch.
Submit Required Documents: Provide your ID proof, address proof, and photograph at the post office for verification.
Use the IPPB Mobile Banking App: Start the account opening process digitally through the app and complete full KYC later.
Complete Full KYC Verification: After initiating the digital account, visit a post office or schedule a visit for full KYC.
Request Assistance from Postman: A postman or Gramin Dak Sevak can help you open an account through doorstep banking.
Complete KYC at Home Through GDS: GDS staff can verify your documents and complete KYC at your home using a micro-ATM device.
How to Update IPPB Passbook?
Post office depositors can update their IPPB passbook using any of the following methods:
Go to your local post office: Visit your nearest post office branch, where staff will update your IPPB passbook and print all pending transactions on the spot.
Update at the Counter: Post office staff will print all pending transactions and update your passbook instantly.
Use Doorstep Banking: A postman or bank mitra can visit your home to update your passbook.
Micro-ATM Update at Home: The visiting postal staff will use a micro-ATM device to print pending entries, with applicable service charges.
Visit IPPB Access Points: Many post offices have designated IPPB counters where you can update your passbook.
Use Digital Kiosks: Some IPPB access points offer digital kiosks that allow quick and convenient passbook updates.
Difference Between IPPB Passbook and IPPB Statement
Here’s how the IPPB passbook compares with the IPPB e-statement across key features:
Feature
IPPB Passbook
IPPB e-Statement
Format
Physical booklet
PDF/electronic
Availability
Post office/doorstep
Mobile app/email
Ideal for
Rural, offline users
Digital-friendly customers
Update method
Manual printing
Auto-generated
Frequency
As per request
Monthly/periodic
IPPB Digital Alternatives to Passbook
IPPB provides multiple digital tools that complement the passbook:
IPPB Mobile Banking App: Check balance, view statements, and manage transactions digitally through the official mobile app.
IPPB QR Cards: Make secure, cardless payments using a scannable QR code linked to your IPPB account.
Mini Statements via SMS: Receive recent transaction details instantly by sending a simple SMS from your registered mobile number.
Missed Call Balance Enquiry: Get your account balance by giving a missed call to the designated IPPB number.
UPI Apps: Link your IPPB account to UPI apps for fast, secure transfers and bill payments.
How to Replace a Lost IPPB Passbook?
To replace a lost or damaged IPPB passbook, follow these steps:
Visit Post Office or Contact Postman: Go to the nearest post office or reach out to your postman to start the duplicate passbook request process.
Submit Written Request: Provide a written application requesting a duplicate passbook, ensuring all details are accurate for quicker processing.
Provide Required Documents: Share your ID proof, account number, and registered mobile number to complete verification for the duplicate passbook issuance.
Pay Applicable Charges: Pay any duplicate passbook issuance charges, if applicable, as per the post office or IPPB guidelines.
Receive New Passbook: The duplicate passbook will be issued after verification is completed, and all submitted details are confirmed by IPPB staff.
Key Takeaways
An IPPB Passbook is a simple yet powerful tool that gives customers a secure, transparent, and easy way to track their banking activities. It supports financial awareness, helps maintain records, and benefits users who prefer offline banking. With IPPB’s growing presence across India, the passbook continues to play an essential role in making banking more accessible and trustworthy, especially for rural households and first-time banking users.
FAQs
Can I access my IPPB account online?
Yes, you can access your IPPB account online through the IPPB Mobile Banking App. The app lets you check your balance, view statements, transfer money, pay bills, and manage your account securely from your smartphone anytime.
How to get a post bank passbook?
You can get an IPPB passbook by visiting your nearest post office and requesting one after opening an account. In many locations, a postman or Gramin Dak Sevak can also issue or deliver the passbook during doorstep banking services.
Can I see my bank passbook online?
IPPB does not provide a digital version of the physical passbook, but you can view all transactions through the IPPB Mobile Banking App. The app offers e-statements, mini statements, and detailed account history, which serve the same purpose digitally.
How do I check my IPPB account details?
You can check your IPPB account details using the mobile app, SMS banking, missed-call balance service, or by visiting the post office. These methods allow you to verify your account number, balance, recent transactions, and other essential information.
What is the customer ID of the IPPB passbook?
The customer ID is a unique number assigned to every IPPB account holder. It is printed on the first page of your IPPB passbook and is required for mobile banking registration and identity verification.
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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 01-11-2025
^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.
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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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Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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