The Department of Posts has announced new e-KYC rules that focus on Aadhaar-based transactions for rural banking, mandating mobile linkage to Post Office Savings Bank (POSB) accounts for transactions through the DREAM app by September 1, 2026, as per The CNBCTV18 news report.
India Post is introducing Aadhaar-enabled e-KYC as the cornerstone for banking operations in rural areas. This initiative will enable biometric transactions at any Branch Post Office.
Customers are now required to have their mobile numbers linked with their POSB accounts to continue using the DREAM platform for transactions after September 1, 2026.
Aadhaar-authenticated deposits, withdrawals, and profile conversions will be facilitated for single-holder accounts.
From September 1, 2026, the Department of Posts will block DREAM app transactions for POSB accounts not linked with mobile numbers.
This new policy seeks to improve digital verification and fraud prevention. Mobile linkage was previously mandatory, but now it carries the consequence of service disruption for non-compliance, marking a significant change in postal banking requirements.
India Post enables biometric procedures for deposits up to ₹50,000 in savings, RD, and Sukanya Samriddhi accounts and withdrawals up to ₹20,000 from savings accounts, eliminating the need for traditional paper slips.
Furthermore, Aadhaar-based transactions now offer BO interoperability, allowing customers to execute banking activities from any Branch Post Office.
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With the new system, customer information like name, address, and date of birth will be sourced directly from the UIDAI database upon biometric consent.
Postal staff are restricted from altering any Aadhaar-fetched details. If customer details are incomplete or mismatched, accounts cannot switch to e-KYC until issues are rectified in Aadhaar records.
India Post's new e-KYC rules ensure Aadhaar-based banking operations in rural areas starting September 1, 2026, requiring mobile linkage for POSB accounts. Biometric authentication allows up to ₹50,000 in deposits and ₹20,000 in withdrawals. Customers can transact at any branch using Aadhaar authentication.
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Published on: Jun 25, 2026, 11:32 AM IST
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