How to Transfer Your Post Office Account to Another Branch

✅ Why You Might Need to Transfer Your Post Office Account

There are several genuine reasons why customers wish to transfer their post office accounts:

• You’ve moved to a new city or locality.
• The new post office is closer or more convenient.
• You want better service at a different branch.
• You are consolidating multiple accounts under one branch.

Types of Post Office Accounts That Can Be Transferred

You can transfer the following accounts from one post office branch to another:

• Post Office Savings Account
• Recurring Deposit (RD) Account
• Time Deposit (TD) Account
• Monthly Income Scheme (MIS)
• Senior Citizen Savings Scheme (SCSS)
• Public Provident Fund (PPF)
• National Savings Certificates (NSC)
• Kisan Vikas Patra (KVP)

Documents Required for Post Office Account Transfer

To begin the transfer process, keep the following documents handy:

1. Account Transfer Application Form (can be obtained from the post office or downloaded online)
2. Passbook or Account Certificate
3. Valid ID proof (Aadhaar card, PAN card, Voter ID, Passport)
4. Address proof (if applicable for the new location)
5. Cancelled cheque or updated KYC (if requested)

Here is a simple step-by-step guide to initiate and complete the transfer:

Step 1: Visit the Current Post Office Branch

Go to the post office where your account is currently held. Carry your passbook, ID, and the filled application form for account transfer.

Ask for the form titled "SB 10(b) – Application for Transfer of Account" or request assistance from the counter staff.

The application form will ask for basic details like:

• Your full name
• Account number
• Type of account (Savings, RD, PPF, etc.)
• Current post office name and branch code
• New post office branch details (name, code, address)

Sign the form and attach self-attested copies of the required documents.

Step 3: Submit the Application

Submit the application to the existing branch manager or designated officer. They will verify your documents and initiate the transfer.

The post office will:

• Close the account at the current branch
• Prepare a transfer memo
• Send the physical documents and account records to the new branch

Step 4: Wait for Acknowledgment and Processing

The transfer usually takes 7 to 10 working days, depending on the internal dispatch and postal timelines. You may receive:

• A transfer reference number (if asked)
• SMS/Call notification (in some urban branches)

Step 5: Visit the New Branch to Activate the Account

Once your account is successfully transferred, visit the new branch with your ID and passbook. The staff will:

• Register your account
• Update your details in the system
• Issue a new passbook or update the existing one

You can now continue transactions and deposits at the new post office.

Things to Keep in Mind Before You Transfer

To avoid delays or confusion, remember these important tips:

• Ensure your KYC is updated before submitting the transfer request.
• If transferring an RD, TD, or MIS, make sure no monthly deposit or interest payout is pending.
• For joint accounts, signatures from all account holders are required.
• For PPF accounts, one transfer is allowed per financial year.
• Any linked schemes (like auto credit of interest) need to be re-registered at the new branch.
• Keep a copy of the submitted form for your records.

Can You Transfer Online Through India Post Website?

As of now, the India Post does not offer a fully online transfer option for savings accounts or RD/TD accounts. The transfer must be initiated manually at the branch through physical paperwork. However, you can:

• Download forms online from the India Post office 
• Check branch addresses and IFSC codes
• Track service requests via the India Post mobile app or IPPB app (for linked accounts)

Sample Filled Form Details (SB 10(b))

Here’s what a typical filled form might include:

• Account Holder’s Name: Rajesh Kumar
• Account Number: 1234567890
• Type of Account: Savings Account
• Current Branch: New Delhi GPO (110001)
• New Branch: Mumbai GPO (400001)
• Reason for Transfer: Relocation due to job change
• Date and Signature

You’ll also attach a copy of Aadhaar and the passbook.

Is There Any Fee for Account Transfer?

No, the Post Office does not charge any fee for account transfers between branches. The process is completely free and customer-friendly. However, if you opt for a duplicate passbook or updated statement, minimal printing charges may apply.

How Long Does the Transfer Take?

On average, the process takes between 7 to 15 working days, depending on:

• Speed of dispatch from current branch
• Internal approvals
• Response time of the receiving branch

You can follow up by visiting the new branch or calling their customer service.

Common FAQs

1. Can I transfer my PPF account to a different post office?

Yes, PPF accounts can be transferred between post offices and even to banks. Use the same SB 10(b) form.

2. Is a fresh KYC needed during transfer?

If your KYC is outdated or if you're shifting to a different city, you may be asked to re-submit KYC documents.

3. Can I transfer an RD account mid-tenure?

Yes, you can transfer an RD account at any point during its 5-year tenure without penalty.

4. What if I don’t update my account at the new branch?

Your account may remain inactive or show errors. Visit the new branch post-transfer for activation.

5. Can I transfer my account from Post Office to a Bank?

Only specific accounts like PPF or NSC can be transferred between post office and bank (and vice versa), subject to guidelines.

Transferring your post office account to another branch is not a hassle anymore. India Post has made the process fairly transparent and smooth, especially for people who relocate or want better service access. By following the correct steps and submitting the right documents, you can ensure your account moves without any disruption to your savings.

Whether it's a SIP in Post Office RD, savings account, or long-term PPF, you can continue to enjoy the benefits of India Post’s trusted financial services — just from a new location.