How to Check my RD Balance in Post Office

Recurring Deposit (RD) is one of the most preferred investment instruments among most Indian citizens. RD schemes are provided by Post Office apart from most Indian banks. The Post Office RD schemes are government-backed deposit schemes that offer tax-free interest up to Rs.10,000.  

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Depositors can open a savings account in the Post Office to avail themselves of this benefit. The India Post ensures effortless service by allowing customers to avail themselves of the services through digital platforms.

Customers can check their RD account balance both online and offline mode. Read on to know more about how to check the Post Office RD account balance. 

How to Check Recurring Deposit Balance in Post Office

The following are the steps to check RD balance in Post Office through various online and offline mode:

  1. E-passbook facility 

E-passbook has been introduced by the Government in 2023 and following are the steps to avail yourself of the benefits of this facility: 

  1. Visit the official website- https://www.indiapost.gov.in/vas/Pages/IndiaPostHome.aspx   
  2. Click on the scheme offered by Post Office 
  1. Select e-passbook 
  2. Log into the account using your mobile number 
  3. Check the account balance against your RD scheme 
  4. Online Banking 
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The following are the steps how to check post office rd balance:

  1. Visit the official portal of India Post 
  2. Create an account online 
  3. After generation of user ID and password, login to DoP e-Banking Portal 
  4. Enter the registered mobile number 
  5. Enter the OTP received on your mobile number to complete verification process 
  1. Select the account option to check the account balance 
  1. Phone Banking 

The following are the steps to check RD account balance in Post Office: 

  1. Dial toll-free number (155299) from registered mobile number 
  2. Follow the IVR (Interactive Voice Response) command 
  1. Choose your preferred language 
  2. Select the savings account details 
  3. Select the ‘get balance option’ to check the account balance 
  1. SMS 

The following are the steps to check account balance through SMS service: 

  1. You have to first register yourself to avail yourself of the service 
  2. To register, type ‘register’ and send it to 7738062873 from your registered mobile number 
  3. Send the SMS from the number that is registered against your savings and current account 
  4. Type ‘balance’ or ‘mini’ and send it to 7738062873 to check account balance and mini statement, respectively 
  1. Missed Call Service 

To check RD account balance, dial ‘8424054994’ from your registered mobile number and give a missed call to get information about account balance. 

  1. IPPB Mobile Application 

The following are the steps to check account balance through IPPB mobile application: 

  1. Download the IPPB mobile application in your mobile device 
  2. Enter your customer ID and account number 
  1. Enter the OTP received on your registered mobile number 
  2. After registration, set the MPIN by logging into the app 

After logging into the application, you can then check the RD account balance in Post Office 

How to Apply for Post Office RD Account Online

The following are the steps to open an RD account online at Post Office: 

  1. Download the IPPB application in your mobile device 
  2. Open your Post Office savings account through the app 
  3. Enter the required details, such as mobile number and PAN number 
  4. Enter the OTP receive on the registered mobile number to complete verification 
  5. Enter the Aadhar number 
  1. Fill in the application form by providing the following information
  1. Personal details 
  2. Communication address 
  3. PAN number 
  4. Nominee details 
  1. Account information 
  2. Additional information 
  1. After submission of the application form the account will be created and account number and customer ID will be generated 
  2. Generate an m-pin to login to the app, using the customer ID, date of birth, mobile number, customer ID, and account number 
  3. Click on the ‘Send Money’ option by opening the app 
  1. Under this option, click on ‘DOP Products’ to deposit your money under any of the schemes available such as RD, Sukanya Samriddhi account, or PPF 

How to Create Login for Post Office RD Account

Here are the steps to create a Post Office RD account login: 

  1. Visit the home branch to register for internet banking 
  2. Visit the branch where you have a valid and active savings ‘B’ post office account 
  1. Fill in the application form 
  2. Submit the required documents along with the form 
  3. The Department of Posts (DOP) internet banking gets activated next working day 
  4. Confirmation SMS will be sent on your registered mobile number 
  5. Click on the link provided in the SMS 
  1. Click on ‘New User Activation’ on the DOP internet banking page 
  2. Fill in the required details, such as: 
  1. Name 
  2. Mobile number 
  3. Email address 
  1. Account number 
  2. Customer ID 
  1. Configure your login credentials with security question and answer 
  2. User ID will be generated after configuration 

How to Generate Post Office RD Login Credentials? 

The following are the steps to generate the login credentials for the Post Office RD account: 

  1. Visit the official website- https://ebanking.indiapost.gov.in 
  2. Click on ‘New User Activation’ 
  3. enter your Customer ID and Account ID present in the passbook of your RD account 
  4. To receive the OTP on your registered mobile number, click on ‘Continue’ 
  1. Enter the OTP 
  2. Click on ‘Continue’ 
  3. Set your 'Internet Login Password and 'Transaction Password' and click on ‘Continue’ 
  4. You will receive a message informing successful completion of password change 
  5. Click on ‘Go to Login’ 
  1. Enter your 'User ID' and 'Login Password' 
  2. Click on ‘Login’, enter the OTP received, and again click on ‘Continue’ 
  3. Click on ‘I Agree’ to accept the terms and conditions 
  4. Enter security answer and click on ‘Continue’ 
  5. Click on ‘Ok’ after setting a new login password 

After completing the process, you will be redirected to the dashboard section to manage and view the details of your RD account. 

How to Make Deposits in a Post Office RD Account Online? 

Here are the steps to make deposit in a Post Office RD account online: 

  1. Transfer fund to IPPB (India Post Payments Bank) from your bank account 
  2. Click on product section of 'DOP or Department of Posts’ 
  1. Select Recurring Deposit option 
  2. Enter the required details, such as: 
  1. Recurring Deposit account number 
  2. DOP customer ID 
  3. Installment amount 
  1. Tenure of RD account 

IPPB will notify the accountholder once the payment has been made successfully. 

FAQs on How to Check Post Office RD Balance

  • What are the documents required for opening an RD account online?

    You would need your Aadhar card, PAN card, Passport, and any Government ID card to open an RD account online. 

  • How do I get my post office RD statement online?

    You can log into the internet banking using customer ID and password to download your Post Office RD statement. Under ‘Accounts’ option and click on ‘Savings Account’ and then on ‘Transaction History’ option. Click on ‘Download Your Statement’ and select the period to download the statement. 

  • Can I pay post office RD online?

    Yes, the monthly installments for Post Office RD scheme can be paid online through India Post Payments Bank (IPPB) mobile app or by using DOP internet login to make payment through credit cards, debit cards, and internet banking. 

  • Can I open an RD post office online?

    No, RD account cannot be opened online for the Post Office RD scheme, yet the monthly installments can be paid online through India Post Payments Bank (IPPB) app.

  • Does the post office have online banking?

    Yes, the Post Office provides an online banking facility and applicants need to register for online banking services by visiting the nearest branch of the Post Office. Fill in the form and submit the required documents. The Post Office will activate the internet banking next day and applicants need to click on the ‘New user Activation’ link received via SMS. Individuals must also provide essential KYC (Know Your Customer) details, valid mobile number, email ID, and PAN number as well. 

  • Is Post Office RD tax free?

    Yes, the Post Office recurring deposit is tax free, and the principal amount is eligible for tax benefits under Section 80C of Income Tax Act 1961. However, the interest earned from the RD is taxable as per applicable taxes under Income from Other Sources. 

  • Can I transfer money from my bank account to the post office online?

    Yes, you can transfer funds from your bank account to the Post Office online by logging into your account using your credentials. Click on ‘DOP services’, select the scheme where you want to invest in, provide the account number, DOP customer ID, and the amount to be transferred. Select the payment mode and click on ‘Pay’ option to transfer the amount. Acknowledgement will be provided after successful completion of amount transfer to the preferred Post Office scheme. 

  • Does the post office have online banking?

    Yes, the Post Office has an online banking facility for which you need to visit the nearest Post office branch to register for DOP online banking. Fill in the application form and submit all the required documents. DOP internet banking will be activated next working day after which you can avail various services through their online banking facility. 

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