Lok Sabha Question No. 1260 (UNSTARRED), answered on 2022-12-14
Subject: India Post Payment Bank
Ministry: COMMUNICATIONS
Asked by: Upendra Singh Rawat

## GOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS DEPARTMENT OF POSTS

## LOK SABHA UNSTARRED QUESTION NO. 1260 TO BE ANSWERED ON 14 TH  DECEMBER, 2022

## INDIA POST PAYMENT BANK

## 1260.   SHRI UPENDRA SINGH RAWAT:

Will the Minister of COMMUNICATIONS be pleased to state:

- (a) the salient characteristics of India Post Payment Bank (IPPB);
- (b) the details of the funds sanctioned, allocated and utilized thereunder during each of the last three years, State/UT-wise;
- (c) the  target  set  and  achievements  made  by  the  Government  so  far  thereunder  in  the country, State/UT-wise including in rural and far flung areas of Uttar Pradesh;
- (d) the details of facilities provided to subscribers of IPPB; and
- (e) whether the Government is planning to expand this scheme in the next five years and if so, the details thereof?

## ANSWER

## MINISTER OF STATE FOR COMMUNICATIONS (SHRI DEVUSINH CHAUHAN)

- (a) India Post Payments Bank (IPPB) is a scheduled payment bank offering a range of products such as savings and current accounts, remittances and money transfer, direct benefit transfer, bill and  utility  payments,  enterprise  &  merchant  payments  and  Aadhar  Enabled  Payment  System (AePS).  These  products  and  related  services  are  being  offered  across  multiple  channels  e.g. Counter Services, Micro - ATM, Mobile Banking App, SMS and IVR and at the doorstep.
- (b) The funds are allocated by Department of Posts to IPPB centrally not State/UT-wise. The details of funds released to IPPB since inception are as under -
- (c) State/Union Territory-wise IPPB achievement are placed at Annexure - I.
- (d) Services provided by IPPB to their subscribers are placed at Annexure - II .

| Financial Year   |   Funds Sanctioned (In `. crore) |   Funds Allocated (In `. crore) |   Funds Utilized (In `. crore) |
|------------------|----------------------------------|---------------------------------|--------------------------------|
| FY 2019-20       |                              335 |                             335 |                            335 |
| FY 2020-21       |                              220 |                             220 |                            220 |
| FY 2021-22       |                              200 |                             200 |                            200 |
| FY 2022-23       |                              200 |                             200 |                            200 |

(e) Presently IPPB under Department of Posts has 650 branches and 1.37 lakh banking access points through Post Offices network PAN India. New facilities are added as per the customer's requirements from time to time.

## Annexure Referred to in reply to Part (c) of Lok Sabha Un-Starred question number 1260 on 'India Post Payment Bank' to be answered on 14.12.2022

Annexure I

| State/Union Territory      | Total Accounts   |
|----------------------------|------------------|
| ANDAMANAND NICOBAR ISLANDS | 2,275            |
| ANDHRA PRADESH             | 40,36,832        |
| ARUNACHAL PRADESH          | 62,153           |
| ASSAM                      | 7,36,111         |
| BIHAR                      | 97,78,191        |
| CHANDIGARH                 | 56,346           |
| CHHATTISGARH               | 7,09,470         |
| DADRA AND NAGAR HAVELI     | 27,155           |
| DELHI                      | 4,51,098         |
| GOA                        | 49,070           |
| GUJARAT                    | 21,19,776        |
| HARYANA                    | 8,12,489         |
| HIMACHAL PRADESH           | 5,08,983         |
| JAMMUANDKASHMIR            | 1,62,958         |
| JHARKHAND                  | 11,52,671        |
| KARNATAKA                  | 33,53,767        |
| KERALA                     | 11,19,015        |
| LADAKH                     | 3,362            |
| LAKSHADWEEP                | 641              |
| MADHYA PRADESH             | 31,01,087        |
| MAHARASHTRA                | 73,21,164        |
| MANIPUR                    | 2,54,865         |
| MEGHALAYA                  | 48,523           |
| MIZORAM                    | 49,793           |
| NAGALAND                   | 1,07,733         |
| ODISHA                     | 20,12,401        |
| PUDUCHERRY                 | 42,921           |
| PUNJAB                     | 6,67,739         |
| RAJASTHAN                  | 27,35,563        |
| SIKKIM                     | 8,874            |
| TAMIL NADU                 | 31,59,191        |
| TELANGANA                  | 33,24,520        |
| TRIPURA                    | 73,058           |
| UTTAR PRADESH              | 98,45,880        |
| UTTARAKHAND                | 3,85,436         |
| WEST BENGAL                | 22,14,136        |

## Uttar Pradesh Branch Wise performance

| Branch Name           | Total Accounts   |
|-----------------------|------------------|
| AGRA FORT BRANCH      | 2,10,085         |
| KANPUR DEHAT BRANCH   | 47,684           |
| AMBEDKAR NAGAR BRANCH | 90,697           |
| ALIGARH BRANCH        | 2,03,093         |
| PRAYAGRAJ             | 2,03,849         |
| AMETHI BRANCH         | 60,714           |
| AMROHA BRANCH         | 76,252           |
| AZAMGARH BRANCH       | 1,68,871         |
| BAGHPAT BRANCH        | 64,049           |
| BAHRAICH BRANCH       | 4,48,833         |
| BALLIA BRANCH         | 1,38,042         |
| UP BALRAMPUR BRANCH   | 1,20,109         |
| BANDA BRANCH          | 40,547           |
| BARABANKI BRANCH      | 2,90,105         |
| BAREILLY BRANCH       | 1,01,497         |
| BASTI BRANCH          | 1,41,327         |
| BHINGA BRANCH         | 1,10,412         |
| BIJNOR BRANCH         | 1,94,295         |
| BUDAUN BRANCH         | 2,14,935         |
| BULANDSHAHR BRANCH    | 1,60,104         |
| CHANDAULI BRANCH      | 45,520           |
| DEORIA BRANCH         | 2,17,696         |
| DIBIAPUR BRANCH       | 79,965           |
| ETAH BRANCH           | 1,93,016         |
| ETAWAH BRANCH         | 1,08,875         |
| AYODHYA               | 1,00,244         |
| FARRUKHABAD BRANCH    | 1,04,039         |
| FATEHPUR BRANCH       | 65,523           |
| FIROZABAD BRANCH      | 1,99,646         |
| GHAZIABAD BRANCH      | 44,921           |
| GHAZIPUR BRANCH       | 1,36,707         |
| GONDA BRANCH          | 1,24,608         |
| GORAKHPUR BRANCH      | 1,39,087         |
| GYANPUR BRANCH        | 24,358           |
| UP HAMIRPUR BRANCH    | 50,814           |
| HAPUR BRANCH          | 37,256           |
| HARDOI BRANCH         | 3,45,825         |
| HATHRAS BRANCH        | 1,53,306         |
| JAUNPUR BRANCH        | 1,58,453         |
| JHANSIBRANCH          | 1,51,873         |
| KANNAUJ BRANCH        | 93,955           |
| KANPUR BRANCH         | 1,17,915         |
| KARWI BRANCH          | 17,016           |
| KASGANJ BRANCH        | 1,59,705         |
| KHALILABAD BRANCH     | 1,21,602         |

| KHERI BRANCH          | 3,91,183   |
|-----------------------|------------|
| LALITPUR BRANCH       | 1,27,221   |
| LUCKNOW BRANCH        | 86,361     |
| MAHOBA BRANCH         | 31,114     |
| MAHRAJGANJ BRANCH     | 2,28,897   |
| MAINPURI BRANCH       | 1,25,606   |
| MATHURA BRANCH        | 1,52,091   |
| MAUBRANCH             | 64,686     |
| MEERUT BRANCH         | 1,01,392   |
| MIRZAPUR BRANCH       | 1,63,712   |
| MORADABAD BRANCH      | 1,98,059   |
| MUZAFFAR NAGAR BRANCH | 99,466     |
| NOIDA BRANCH          | 30,517     |
| ORAI BRANCH           | 2,88,343   |
| PADRAUNA BRANCH       | 1,78,402   |
| PILIBHIT BRANCH       | 83,233     |
| PRATAPGARH BRANCH     | 59,618     |
| RAEBARELY BRANCH      | 1,45,074   |
| RAMPUR BRANCH         | 68,578     |
| ROBERTSGANJ BRANCH    | 14,701     |
| SAHARANPUR BRANCH     | 84,420     |
| SHAHJAHANPUR BRANCH   | 99,693     |
| SHAMLI BRANCH         | 40,754     |
| SITAPUR BRANCH        | 5,55,927   |
| SULTANPUR BRANCH      | 63,491     |
| TETARI BAZAR BRANCH   | 1,03,360   |
| UNNAO BRANCH          | 1,12,656   |
| VARANASI BRANCH       | 69,900     |

## Annexure Referred in reply to Part (d) of Lok Sabha Un-Starred question number 1260 on 'India Post Payment Bank' to be answered on 14.12.2022

Annexure - II

## Services provided by IPPB:

The Department of Posts has set up India Post Payments Bank (IPPB) in the year 2018, which has enabled  1.38  lakh  Post  Offices  to  provide  Banking  services  and  has  equipped  nearly  1.9  lakh Postmen and Gramin Dak Sevaks with a smartphone and biometric device to provide doorstep banking Services including:

-  Paperless & Instant account opening
-  Savings  accounts  for  citizens  including  Aadhaar  Seeding  for  DBT  (Direct Benefit Transfer) beneficiaries
-  Current Accounts for merchants
-  Virtual Debit Card
-  Cash Deposit/ Cash Withdrawal services
-  Domestic  Money  Transfer  services  -  Immediate  Payment  Service  (IMPS),  National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), Unified Payment Interface (UPI)
-  Bill  Payment  services  -  Bill  payment  of  utility  bills,  (Direct-to-Home)  DTH/Mobile recharges, EMI (Equated Monthly Instalment) payments, insurance etc.
-  Insurance services for IPPB customers - Life, Health, Vehicle insurance & Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
-  Post Office Savings Account (POSA) linkage with IPPB accounts
-  Online Payment for Post Office Savings schemes - Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSA), Recurring Deposit (RD)
-  Digital Life Certificate (DLC) services - Facilitate submission of DLC for any pensioners of central/state/ Employees Provident Fund Organisation (EPFO)
-  Aadhaar based services  - Mobile Number update in Aadhaar for any citizen and Child Enrolment services for any child (0 - 5-year-old)
-  Cash Management services - Collection of dues from customers of corporates/ government bodies

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