The Department of Posts has introduced significant changes to transaction limits for Aadhaar-authenticated Post Office accounts. According to the official order dated June 22, 2026, deposits up to ₹50,000 are now permitted in Post Office Savings Account (POSA), Post Office Recurring Deposit (RD), and Sukanya Samriddhi Account (SSA) through Aadhaar-based biometric authentication without requiring a pay-in slip. Additionally, withdrawals up to ₹20,000 from POSA accounts are now allowed through Aadhaar authentication without a withdrawal slip. The newly evolved system has been launched through the Digital Rural Enterprise Application for Mobiles (DREAM) to make branch post office services seamless, transparent and free of paperwork.
A major development is the introduction of branch interoperability through Aadhaar authentication. As reported by the Department, post office branches will now be enabled to perform transactions in accounts standing at any post office, not just their own branch. However, this facility is limited to accounts with Aadhaar-authenticated e-KYC and will not be available for non-Aadhaar authenticated transactions. The department clarified that for high-value transactions exceeding the specified limits, post offices will continue to use the existing paper-based process. Non-Aadhaar-linked accounts will continue to follow the same rules, remaining under the existing branch-specified process.
The new e-KYC based transactions will be implemented through the Digital Rural Enterprise Application for Mobiles (DREAM) application. According to the department's order, the conversion of existing Customer Information File (CIF) to Aadhaar-based e-KYC CIF will be completed in phase-1 of implementation. From September 1, 2026, a mobile number will be mandatory for any transactions through the DREAM app, with no transactions allowed in accounts not linked with mobile numbers. The objective of introducing these changes is to facilitate day-to-day use and provide a transparent experience for eligible customers.
The new facilities are available only for single-type accounts and not for minor or joint accounts. As reported by the Department, the facility will not be available for non-Aadhaar authenticated transactions, which will continue to be performed only in accounts standing in the same branch office. The department emphasized that for high-value deposits and withdrawals, Branch Post Masters must follow the existing paper-based process of obtaining withdrawal application forms and taking approval from respective Accounts Offices. Accounts that do not follow these guidelines and do not have a registered mobile number will not be permitted to process such transactions through the application.
