Bank with India Post — manage your account anywhere through Mobile, SMS, Missed-Call, Phone & Internet Banking.
✨ Key Features
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Link to POSB
Connect your IPPB account with your Post Office Savings Bank account for instant transfers.
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Deposit to SSA · PPF · RD
Pay deposits for Sukanya Samriddhi, PPF, and Recurring Deposit accounts directly from IPPB.
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PLI / RPLI Premium
Pay your insurance premiums on time — no need to visit the post office every month.
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Mobile Recharge
Recharge any prepaid mobile, pay postpaid bills, DTH, electricity — all from your IPPB app.
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Virtual Debit Card
Free virtual debit card issued instantly — shop online safely without a physical card.
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UPI · PhonePe · Google Pay
Link IPPB to PhonePe, Google Pay, Paytm — pay anywhere, anytime with UPI.
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Account Limit
Maximum balance of ₹2,00,000 per account at end-of-day. Larger transactions will be auto-swept to your linked POSB account.
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Missed Call BankingBalance and mini statement without internet
24×7
ServiceTap a number to call
Calls must be made from the mobile number linked to your IPPB savings/current account.
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SMS Banking ServiceSend commands from your IPPB-linked mobile number
Open SMS
Balance enquiryReceive available balance
BAL
Mini statementReceive recent transactions
MINI
Freeze accountUse only when your account must be blocked
FREEZE <12-digit IPPB A/c No.>
Get Account & CIF detailsDate of birth must be DDMMYYYY
GETCIF <DDMMYYYY>
Send every command to 9910228664. Never share an OTP, MPIN or debit-card PIN in an SMS.
🌟 Why IPPB?
✓Aadhaar-based KYC — open account in 5 minutes
✓SMS & mobile banking alerts
✓Third-party insurance & loans — avail through IPPB partners
✓PMJJBY & PMSBY — government insurance schemes available
✓Use official IPPB channels to confirm account terms and limits
🔐
Account restricted or payment failing?
Match the message shown in IPPB, understand the more accurate common cause, and take the right next step.
Transactions are restricted
Unusual turnover inconsistent with declared income/profile, KYC review or compliance check.
Do this: Check the SMS/error message, complete pending KYC and provide the transaction/source details requested by IPPB.
Debit / account frozen
Cybercrime complaint, police/court order, illegal gaming/betting funds or money-mule activity.
Do this: Ask IPPB for the freeze reference and issuing authority. Follow the bank, police, court or cybercrime process with supporting proof.
Amount on hold / lien
A particular received amount is disputed or linked to reported cyber fraud.
Do this: Keep the transaction reference and proof of source ready. Request the lien details and complaint/authority reference from IPPB.
KYC / PAN update required
PAN/Form 60, periodic KYC or customer details are missing or mismatched.
Do this: Visit an IPPB banking outlet with PAN/Form 60, Aadhaar, registered mobile and documents needed to correct the mismatch.
Transaction limit exceeded
IPPB balance, daily transaction or DigiSmart annual deposit limit reached.
Do this: Check the applicable account/product limit. Reduce the amount, wait for the limit reset or complete the required account upgrade/KYC.
Mobile banking / UPI restricted
SIM, device or registered mobile-number change, repeated incorrect PIN/MPIN or security verification.
Do this: Stop repeated attempts, use the registered SIM/device and follow the official re-registration, reset or verification process.
Account inactive / inoperative
No customer-initiated transaction for a long period.
Do this: Contact IPPB or visit a banking outlet with KYC documents and registered mobile to complete account activation.
Service unavailable
Temporary IPPB, NPCI, UPI or network issue—not necessarily an account freeze.
Do this: Check connectivity and retry later. Contact IPPB if the same message continues.
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SUGGESTED SOLUTION
Open the IPPB account freeze form
Many restriction and freeze cases can be resolved by submitting this form with the required details and documents.
Open form›
What the customer should do
1Read the exact SMS or error code. Take a screenshot and note the date, time, amount and transaction reference.
2Keep verification details ready. Carry Aadhaar, PAN, registered mobile and account details when visiting an IPPB outlet.
3Contact official IPPB support. Call 155299 or 033-22029000, or visit the nearest banking outlet.
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Unauthorized transaction? Act immediately.Call the IPPB 24×7 toll-free fraud-reporting number 1800 8899 860. Never share OTP, MPIN or UPI PIN, and never pay anyone who promises to “unfreeze” the account.
Likely reasons are guidance only. IPPB or the relevant legal authority can confirm the exact restriction and removal process.
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Still facing an IPPB app issue?
Email us a screenshot or photo showing the error. We will try our best to guide you toward a solution.
Protect your privacy: Before sending, hide your IPPB account number, Customer ID, MPIN, OTP, debit-card details, balance, QR code and all other personal information.
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Email PostPay Helpdeskpostpayhelpdesk@gmail.com
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Attach the privacy-checked screenshot or photo from your email app.
