Download All SB Orders 2025 (Nos. 01–16) in PDF
All SB Orders 2025 (Nos. 01–16) issued by the Department of Posts (DOP)
Summary: In 2025 the Department of Posts (Financial Services Division) issued SB (Savings Bank) Orders Nos. 01 through 16 conveying operational, regulatory and IT/Finacle changes for Post Office Savings Bank (POSB) and related small-savings schemes. Below is a concise, single-page article summarising each SB Order (01–16) — purpose, effective date / effect, and practical impact for post offices and customers. Each order summary cites the Department/secondary reporting I used.
Download All SB Orders 2025 (Nos. 01–16) in PDF
Intro
— what the 2025 SB Orders collectively achieve
2025’s SB Orders
continue two clear themes: (1) digital enablement and e-KYC / Finacle
automation (opening accounts, e-KYC for more schemes, internet-banking
features), and (2) scheme-rule updates and compliance (interest rate
communications, TDS changes, scheme discontinuations, SOPs to handle migration
discrepancies). The orders also include customer-friendly changes such as
removal of nomination fees and improved account servicing tools.
SB
Order No. 01/2025 — Paperless KYC (e-KYC) & Aadhaar biometric for POSB
onboarding
Date
/ effect:
Issued 01.01.2025.
What it does: Introduces paperless
KYC (Aadhaar-based e-KYC) for creation of Customer Information Files (CIF) and
opening of single/individual POSA accounts via biometric authentication; a
phased rollout for further schemes is indicated.
Impact: Speeds onboarding,
reduces paperwork and allows biometric authentication at departmental post
offices (with CEPT/Finacle enablement).
SB
Order No. 02/2025 — MSSC: 40% withdrawal functionality in Finacle (and SOP)
Date
/ effect:
Mid-March 2025 (effective Finacle deployment 07.03.2025 as implemented).
What it does: Implements the 40%
partial withdrawal functionality under the Mahila Samman Savings Certificate
(MSSC) rules inside Finacle and circulates an SOP for branch staff on
processing such withdrawals.
Impact: Enables standardised
online processing at counters and reduces manual interventions for MSSC
withdrawals.
SB
Order No. 03/2025 — Discontinuance of Mahila Samman Savings Certificate (MSSC)
Date
/ effect:
28.03.2025 (scheme effective only till 31.03.2025).
What it does: Communicates that no
new deposits will be accepted under MSSC beyond 31 March 2025 as per Ministry
of Finance / DEA direction; instructs circles to notify customers and display
public notices.
Impact: Post offices must
stop accepting new MSSC deposits and manage maturity/withdrawal processing per
guidance.
SB
Order No. 04/2025 — Revision of small-savings interest rates (w.e.f.
01.04.2025)
Date
/ effect:
28.03.2025 (rates effective from 01.04.2025).
What it does: Circulates the
Ministry of Finance/DEA memorandum on interest rates for small-savings schemes
for the quarter beginning 1 April 2025.
Impact: Requires updating
ledgers, public notices and customer information; staff to use revised rate
tables in calculations and statements.
SB
Order No. 05/2025 — Removal of charge for nomination change / cancellation
Date
/ effect:
03.04.2025.
What it does: Circulates amendment
to Government Savings Promotion General Rules, 2018 — removes the ₹50 fee
previously charged for change or cancellation of nomination.
Impact: Customer convenience
improved; post offices must stop levying the ₹50 charge for nomination changes
and update forms/processes.
SB
Order No. 06/2025 — TDS amendments (as per Finance Act 2025)
Date
/ effect:
04.04.2025 (w.e.f. 01.04.2025).
What it does: Communicates
amendments to TDS (Tax Deduction at Source) provisions notified in the Finance
Act 2025 — outlines thresholds, sections affected and how DOP should apply the
new rules.
Impact: Accounting/TDS
processes at Post Offices and CPRCs need updates; staff must follow the new
thresholds and filing instructions.
SB
Order No. 07/2025 — Extension of e-KYC functionality to MIS, TD, KVP, NSC
Date
/ effect:
30.04.2025 (rollout phases noted).
What it does: Expands Aadhaar-based
e-KYC to open Monthly Income Scheme (MIS), Time Deposit (TD), Kisan Vikas Patra
(KVP) and NSC accounts (e.g., enabled from 23.04.2025 for some schemes).
Impact: Wider digital
onboarding for multiple small-savings products; decreases paperwork and allows
voucher-free operations where tech is ready.
SB
Order No. 07A/2025 — Further extension (RD/PPF/Recurring features)
Date
/ effect:
June–July 2025 (effective dates vary; documented 27.06.2025 / 07.07.2025
postings).
What it does: Further extends e-KYC
capability to Recurring Deposit (RD) and Public Provident Fund (PPF) operations
(acceptance of deposits, certain operations via biometric auth).
Impact: Brings
near-end-to-end biometric onboarding and deposit acceptance for most retail
products in departmental post offices.
SB
Order No. 08/2025 — Downloadable Interest Certificate via DOP Internet Banking
Date
/ effect:
07.05.2025 (technical patch 30.04.2025).
What it does: Introduces facility
for internet-banking customers to download interest certificates (previous and
current financial year) directly from DOP Internet Banking.
Impact: Customers can get
interest certificates online without visiting post office; reduces footfall and
paperwork. Circles must publicise and assist customers where needed.
SB
Order No. 09/2025 — Revision of interest rates (w.e.f. 01.07.2025)
Date
/ effect:
30.06.2025 (rates effective 01.07.2025).
What it does: Circulates the
DEA/FinMin memorandum for the quarter starting 1 July 2025 — communicates
revised rates (in many cases unchanged or updated per Ministry decision).
Impact: Update customer
literature, interest computations and systems for the quarter.
SB
Order No. 10/2025 — Freezing of small-savings accounts matured but not closed
after 3 years
Date
/ effect:
15.07.2025.
What it does: Orders biannual
identification and freezing of matured but unclosed small-savings accounts
(e.g., PPF/SSA/POSA that matured but not encashed within prescribed period) and
prescribes procedures.
Impact: Protects scheme
funds, requires Circles to identify affected accounts, notify customers and
follow prescribed SOP for frozen accounts.
SB
Order No. 11/2025 — Terminology change for specific account-holder category
Date
/ effect:
(Dated) 10.09.2025.
What it does: Changes terminology
used in POSB scheme documentation — example: replacing the phrase “persons with
unsound mind” with updated, sensitive terminology (administrative/wording
change).
Impact: Improves clarity and
sensitivity in official forms and records; Circles must use updated terminology
in communications and forms.
SB
Order No. 12/2025 — Changes in accounting of POSB/CBS reconciliation (Finacle
reports)
Date
/ effect:
15.09.2025 (SB Order No.12/2025).
What it does: Sets out reports and
processes available in Finacle to reconcile CBS transactions with DTRs and
other pre/post migration data — part of CBS stabilisation and accounting
accuracy improvements.
Impact: Operations/Accounts
teams will use specified Finacle reports to reconcile non-migrated or tallied
transactions; improves financial control.
SB
Order No. 13/2025 — Revised APY (Atal Pension Yojana) registration form
Date
/ effect:
26.09.2025.
What it does: Circulates a revised
APY subscriber registration form (updates to data capture, FATCA/CRS or other
declarations as per regulatory changes).
Impact: Post offices
enrolling APY subscribers must use the new form and follow the updated data
capture/checklist.
SB
Order No. 14/2025 — Revision of interest rates for quarter starting 01.10.2025
Date
/ effect:
30.09.2025 (rates effective 01.10.2025).
What it does: Circulates DEA/FinMin
memorandum for the quarter (1 Oct – 31 Dec 2025) — in this instance rates
remained unchanged for that quarter.
Impact: Systems and customer
notices updated accordingly.
SB
Order No. 15/2025 — SOP to rectify POSB balance discrepancies (CBS migration
shortfalls)
Date
/ effect:
20.11.2025.
What it does: Provides a detailed
Standard Operating Procedure to resolve account balance discrepancies arising
from non-migrated pre-CBS transactions (POSA, PPF, SSA). Includes annexures and
step-wise procedures for circles.
Impact: Important for
resolving customer complaints and reconciling legacy data; Circles must follow
SOP to correct balances and notify customers.
SB
Order No. 16/2025 — Changes in accounting of POSB TDS transactions
Date
/ effect:
02.12.2025 (effective accounting change from 01.12.2025).
What it does: Changes how
POSB-related TDS deductions (Sections 194A, 194EE, 194H, 194N etc.) are
accounted and who (CPRC vs DDOs) is responsible for filing returns for
different time-windows; instructs Finacle reporting/accounting changes and
corrective steps for previously filed returns.
Impact: Accounting teams must
reclassify/adjust entries and refile corrections where necessary; affects TDS
return filing responsibilities and reconciliation.
Closing
notes — practical checklist for Circles & Post Offices
1. Update systems & SOPs: Implement Finacle patches, internet-banking changes, and follow the SOPs circulated (Orders 02, 08, 12, 15, 16). Public communication: Display public notices for scheme discontinuation/interest rate changes (Orders 03, 04, 09, 14).
2.
Customer convenience: Stop charging fees
for nomination changes (Order 05) and enable interest certificate downloads
(Order 08).
3.
Tax & accounting: Implement TDS
changes and follow re-accounting instructions (Orders 06, 16) and reconcile
CBS/DTRs per guidance (Order 12).
Sources
& where to get PDFs / full text
I used official DOP
circular aggregators and reposts which link to the Department’s PDF bundles
(utilities.cept / DOP portals) and trustworthy postal-operations blogs
summarising the SB Orders. For each order above I consulted the SB Order posts
and the uploaded PDFs (examples: SB Order 01/2025 PDF; SB Order 02/2025 PDF; SB
Order 04/2025 PDF; SB Order 06/2025 PDF; SB Order 16/2025 PDF). Click the
citation links in each order above to open the referenced web summaries and the
PDFs they link to.
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