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How to pay India Post Recurring Deposit (RD) installments online?

Most middle-class Indian households have Recurring Deposit (RD) accounts with India Post to save for the future. My mother used to open RD accounts in such a way that money was available just before an academic year begins to cater to school expenses. In those times, the monthly installments used to be paid through agents who visited every month collecting to collect the dues. While this continues even today, some of us wish if we could avoid these agents and pay the installments online. In the recent years, India Post has launched internet banking facility for accounts held in Department of Posts and also the India Post Payments Bank (IPPB). However, it is a hassle to activate net banking for each member of the household when small monthly contributions are involved to products such as RD. Thankfully, this can be avoided if you have an IPPB account. 

All you need is the account numbers and customer IDs. While these details are often found on the RD passbooks, if you don't find them approach your post office one last time. You are good to proceed now. 

Step 1 - Login to IPPB Mobile app

Login to your IPPB app.

Step 2 - Use the Send Money option

On the home screen or the hamburger menu, you will find the 'Send Money' option. Click on it and subsequently tap the DOP Products option.


Step 3 - Fill in the details

Fill in the details here. Though the screen presents number of installments, it didn't work for numbers other than one. Therefore, 'set it, forget it' standing instructions are still away. 

In the subsequent screen you will be shown the account holder's name and the details like installment due, no. of installments etc. plus the Pay button. 

As you can see, with IPPB there are a lot more things you could do w.r.t. to your accounts in Department of Posts - like paying for PPF, SSY accounts and even avail loan against RD accounts. 


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