📱 India Post Payments Bank (IPPB) Zero Balance Account – A Complete 2025 Guide

The India Post Payments Bank (IPPB) offers a convenient way to manage your finances digitally with a zero-balance account. Unlike traditional Post Office Savings Accounts, IPPB accounts are opened completely online and come with virtual debit cards and UPI services, making them ideal for modern users who prefer mobile banking.

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🔑 Key Features & Benefits

• Zero Balance Account – No minimum balance required.
• Virtual Debit Card – Works seamlessly with UPI apps like PhonePe, Google Pay, etc.
• Mobile Banking – Manage your account through the IPPB Mobile Banking App.
• Access Details Instantly – Get your account number, IFSC code, and customer ID in the app.
• Affordable SMS Alerts – Only ₹15–₹20 annually.

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👤 Eligibility & Account Limits

Criteria	Details
Age Requirement	18+ years
Required Documents	Aadhaar card, PAN card, mobile linked to Aadhaar
Annual Deposit Limit	₹2,00,000/year
Limit Exceeded Consequence	Account may be frozen temporarily

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📲 How to Open an IPPB Digital Account Online

Follow these simple steps to open your account digitally:

1. Download the IPPB Mobile Banking App (from Play Store or App Store).
2. Tap on “New to IPPB” and confirm your residency status.
3. Enter your mobile number, select “Digital Savings Account”, and input your PAN number.
4. Enter the OTP sent to your mobile.
5. Complete Aadhaar e-KYC by entering your Aadhaar number and OTP.
6. Fill in personal details:
   • Father’s, mother’s, and spouse’s names.
7. Enter your permanent & communication address.
8. (Optional) Add nominee details.
9. Fill in additional info:
   • Nationality, marital status, income, occupation, education.
10. Set preferences for:

• Account statement delivery.
• DBT (Direct Benefit Transfer) mapping.

11. Review all details carefully and confirm with a final OTP.

✅ After submission, you’ll get:

• Customer ID
• Account Number
• You can then set your MPIN and start using all banking services via the app.

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💳 IPPB Virtual Debit Card Charges & Limits

Feature	Details
Issuance Charge	₹25 (Inclusive of GST)
Reissuance Charge	₹25 for Regular Account, Free for Basic & Premium
Annual Maintenance	₹25 for Regular Account, Free for Basic & Premium
E-commerce Purchase Limit	Min ₹1 – Max ₹50,000/day (Can be increased to ₹1,00,000)
E-commerce Transaction Fee	NIL
Blocking/Unblocking Charges	NIL

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💵 Cash Deposit & Withdrawal Limits

🏤 At Head Post Office / Sub Post Office

Transaction	Limit per Day
Cash Deposit	₹2,00,000
Cash Withdrawal	₹2,00,000

🏠 At Branch Post Office / Doorstep (GDS/Postman)

Transaction	Limit per Day
Cash Deposit	₹25,000
Cash Withdrawal	₹25,000

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💰 Transaction Charges on Deposits & Withdrawals

🏦 Regular Savings Account

Type	Free Limit/Month	Post-Free Charges
Cash Deposit	₹10,000	0.50% of amount (Min ₹25 per transaction)
Cash Withdrawal	₹25,000	0.50% of amount (Min ₹25 per transaction)

👥 Basic Savings Account

• Cash Withdrawal: First 4 transactions free.
  After that: 0.50% of the transaction, min ₹25 per transaction.

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🏧 ATM Withdrawal (For Physical Cards)

Limit Type	Amount
Daily Withdrawal Limit	₹25,000
Per Transaction Limit	₹10,000

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🔁 ATM Charges Breakdown

ATM Type	Free Transactions/Month	Beyond Limit Charges
IPPB & PNB ATMs	Unlimited Free	–
Other Bank ATMs (Metro Cities)	3 Transactions	₹20 (Financial), ₹8 (Non-Financial) + GST
Other Bank ATMs (Non-Metro)	5 Transactions	₹20 (Financial), ₹8 (Non-Financial) + GST

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ℹ️ Final Notes

• All charges are inclusive of GST/CESS.
• All limits and charges are subject to change by IPPB.
• Always check the official IPPB website for the latest updates:
  👉 https://www.ippbonline.com

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📞 Need Help?

IPPB Customer Care Number: 155299 (Toll-Free)
For doorstep banking, contact your nearest post office or GDS agent.

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🔐 Disclaimer:
This article is for general informational purposes only. IPPB may update its charges and policies without notice. Always refer to the official website or contact IPPB support for the most accurate information.