The Department of Posts has rolled out personalised cheque books for Post Office Savings Account (POSA) holders, aiming to boost customer convenience and improve security features.
Starting May 8, 2026, all POSA customers can access this new personalised cheque book service.
Previously, cheque books from post offices lacked the account holder’s details like their name or account number. With this new option, personalised cheque books will feature pre-printed information, including the account holder’s name, account number and the IFSC of the Department of Posts.
While private and PSU banks have been providing personalised cheque books with printed account details for several years, post office customers didn’t have this option till now. The new service also allows personalised cheque books to be delivered free of cost to a POSA customer’s registered address, whereas earlier cheque books were mainly issued at post office counters.
How to apply for a personalised POSA cheque book?
Customers who wish to avail a personalised cheque book of their savings account can make a request to the Post Office. This service will soon be available online and subsequently via mobile banking..
However, instant cheque books without name and other details will continue to be available to POSA customers.
Is it compulsory for a POSA accountholder to avail a personalised cheque book bearing their name?
A POSA account holder may opt for either an instant cheque book or a personalised cheque book.
The instant cheque book facility will continue to be available only at post office counters, while personalised cheque books will be delivered free of cost to the account holder’s latest updated address.
Following conditions will be checked before accepting personalised POSA cheque book
- Mobile number should be linked to the primary account holder’s CIF
- Account balance should not be less than Rs.500/-
- Sufficient balance should be available in the account to cover the minimum balance requirement of Rs 500 along with a cheque issuance charges of Rs 20 and applicable GST, wherever charges are applicable.
- A request for a personalised cheque book cannot be raised if the account is totally frozen or in a dormant state.
- A request for a personalised cheque book can be initiated only in Account Sol, ie, where the SB account stands.
What happens if your POSA cheque book is not delivered?
If a cheque book remains undelivered in spite of multiple attempts, it will be returned to the concerned Post Office where the account of the customer stands.
Cheque books will remain in safe custody for a period of forty-five (45) days and will maintain a proper register for record purposes.
Thereafter, all undelivered cheque leaves should be treated as unused cheque leaves and post offices should mark all those cheque leaves as SPOILED in their Finacle system.
