Lok Sabha Question No. 634 (UNSTARRED), answered on 2019-02-06
Subject: Post Banks
Ministry: COMMUNICATIONS
Asked by: KAUSHALENDRA KUMAR

## GOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS DEPARTMENT OF POSTS

## LOK  SABHA UNSTARRED QUESTION NO.634 TO BE ANSWERED ON 6 TH  FEBRUARY, 2019

## POST BANKS

†634. SHRI KAUSHALENDRA KUMAR:

Will the Minister of COMMUNICATIONS be pleased to state:

- (a) the present status of post banks and whether this service has been launched and if so, the details thereof;
- (b) the number of post offices in the country in which post bank service has been launched;
- (c) the names of post offices of Bihar in which this service has been launched; and
- (d) the  major  differences  between  post  bank  service  and  services  provided  by  other Government banks?

## ANSWER

## THE MINISTER OF STATE (IC) OF THE MINISTRY OF COMMUNICATIONS & MINISTER OF STATE IN THE MINISTRY OF RAILWAYS (SHRI MANOJ SINHA)

- (a) & (b) 650  branches  and  1,26,911  Access  Points  have  been  rolled  out  by  India  Post Payments Bank (IPPB) in as many Post Offices as on 31.01.2019.  A bouquet of product and services such as savings and current accounts, remittances and money transfer, direct benefit transfers, bill and utility payments, enterprise and merchant payments etc. are being offered to the customers.
- (c) There are 38 IPPB branches in Bihar to which 6217 Post offices have been linked as Access Points  of  IPPB.  The  number  of  Post  Offices  linked  to  38  IPPB  branches  is  at Annexure  -  I. The names  of  Post  Offices  working  as  Access  Points  of  IPPB  in  Bihar  may  be  seen  at  URL http://utilities.cept.gov.in/dop/pdfbind.ashx?id=3231
- (d) The major differences between IPPB and other Scheduled Commercial Government banks are as follows:
- (i) Payments bank are not allowed to undertake lending activities directly.
- (ii) Payments banks are restricted to hold a maximum balance of Rs 1, 00, 000/- (Rupees one lakh only) per individual customer at the end of the day.
- (iii) Payments bank cannot accept Non Resident Indian (NRI) deposits.
- (iv) Payments bank cannot set up subsidiaries to undertake non-banking financial services activities.

Number of IPPB Branches and Access Points rolled out in Bihar as on 31.01.2019.

| Sl No       | Name of District   | Branch Name        |   Number of Access Points (Linked to Post Offices) rolled out as on 31.01.2019 |
|-------------|--------------------|--------------------|--------------------------------------------------------------------------------|
| 1           | Araria             | ARARIA BRANCH      |                                                                            127 |
| 2           | Arrah              | ARRAH BRANCH       |                                                                            163 |
| 3           | Arwal              | ARWAL BRANCH       |                                                                              8 |
| 4           | Aurangabad (BH)    | AURANGABAD BRANCH  |                                                                            181 |
| 5           | Banka              | BANKA BRANCH       |                                                                            131 |
| 6           | Begusarai          | BEGUSARAI BRANCH   |                                                                            179 |
| 7           | West Champaran     | BETTIAH BRANCH     |                                                                            204 |
| 8           | Bhagalpur          | BHAGALPUR BRANCH   |                                                                            233 |
| 9           | Nalanda            | BIHARSHARIF BRANCH |                                                                            372 |
| 10          | Buxar              | BUXAR BRANCH       |                                                                             81 |
| 11          | Saran              | CHAPRA BRANCH      |                                                                            168 |
| 12          | Darbhanga          | DARBHANGA BRANCH   |                                                                            344 |
| 13          | Gaya               | GAYA BRANCH        |                                                                            138 |
| 14          | Gopalganj          | GOPALGANJ BRANCH   |                                                                            162 |
| 15          | Vaishali           | HAJIPUR BRANCH     |                                                                            270 |
| 16          | Jamui              | JAMUI BRANCH       |                                                                            159 |
| 17          | Jehanabad          | JEHANABAD BRANCH   |                                                                             51 |
| 18          | Katihar            | KATIHAR BRANCH     |                                                                            153 |
| 19          | Khagaria           | KHAGARIA BRANCH    |                                                                            105 |
| 20          | Kishanganj         | KISHANGANJ MDG     |                                                                             80 |
| 21          | Lakhisarai         | LAKHISARAI BRANCH  |                                                                             70 |
| 22          | Madhepura          | MADHEPURA BRANCH   |                                                                             65 |
| 23          | Madhubani          | MADHUBANI BRANCH   |                                                                            343 |
| 24          | East Champaran     | MOTIHARI BRANCH    |                                                                            307 |
| 25          | Munger             | MUNGER BRANCH      |                                                                             97 |
| 26          | Muzaffarpur        | MUZAFFARPUR BRANCH |                                                                            244 |
| 27          | Nawada             | NAWADA BRANCH      |                                                                             97 |
| 28          | Patna              | PATNA BRANCH       |                                                                            283 |
| 29          | Purnia             | PURNIA BRANCH      |                                                                            137 |
| 30          | Kaimur (Bhabua)    | RAMGARH BRANCH     |                                                                             76 |
| 31          | Saharsa            | SAHARSA BRANCH     |                                                                            140 |
| 32          | Samastipur         | SAMASTIPUR BRANCH  |                                                                            251 |
| 33          | Rohtas             | SASARAM BRANCH     |                                                                            170 |
| 34          | Sheikhpura         | SHEIKHPURA BRANCH  |                                                                             26 |
| 35          | Sheohar            | SHEOHAR BRANCH     |                                                                             40 |
| 36          | Sitamarhi          | SITAMARHI BRANCH   |                                                                            237 |
| 37          | Siwan              | SIWAN BRANCH       |                                                                            169 |
| 38          | Supaul             | SUPAUL BRANCH      |                                                                            156 |
| Grand Total | Grand Total        | Grand Total        |                                                                           6217 |

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