Hand Book 2026-27 for National (Small) Savings Schemes- Complete Guide for Postal Employees, GDS, Agents & General Public

Stay updated with the latest rules and operational procedures of Government National (Small) Savings Schemes through the Hand Book 2026-27, one of the most comprehensive reference books specially designed for the Department of Posts.

This latest 8th Edition (2026-27) has been updated with all Savings Bank Orders issued up to July 2026 and contains complete practical guidance for handling Post Office Savings Schemes, Branch Office operations, DARPAN (DREAM), IPPB integration, Micro ATM services, Social Security Schemes and much more.

Unlike ordinary reference books, this handbook explains every topic in simple language with practical examples, making it useful for beginners as well as experienced postal officials.

Whether you are working in a Head Office, Sub Office, Branch Office, IPPB, or preparing for departmental examinations, this handbook serves as an excellent day-to-day operational guide.

📦 Product Specifications

The edition, author, and publication details are taken from the provided handbook information.

📦 What’s Included?

• 1 × Hand Book 2026-27 on Government National (Small) Savings Schemes (English)

📚 What You’ll Learn

Government National Savings Schemes

• Savings Account
• Recurring Deposit (RD)
• Time Deposit (TD)
• Monthly Income Scheme (MIS)
• Public Provident Fund (PPF)
• National Savings Certificate (NSC)
• Kisan Vikas Patra (KVP)
• Sukanya Samriddhi Account (SSA)
• Senior Citizen Savings Scheme (SCSS)
• Other notified savings schemes

Account Opening Procedures

• Step-by-step account opening process
• KYC verification
• AML Guidelines
• Nomination
• Joint Accounts
• Minor Accounts
• Account Closure
• Account Transfer
• Maturity Payment

Latest Financial Information

• Updated Interest Rates
• Investment Limits
• Tax Benefits
• Eligibility Criteria
• Maturity Rules
• Extension Rules
• Premature Closure Rules

Branch Office (BO) Operations

Complete procedures relating to

• BO Savings Bank Operations
• Deposits
• Withdrawals
• Passbook Entries
• Account Maintenance
• Branch Office Procedures

DARPAN (DREAM)

Includes

• Standard Operating Procedures (SOP)
• Frequently Asked Questions (FAQ)
• Daily Operations
• Transaction Guidelines
• Best Practices

India Post Payments Bank (IPPB)

Detailed coverage of

• IPPB Integration
• POSB Integration
• Micro ATM Operations
• Doorstep Banking
• Digital Banking Services

Social Security Schemes

Complete information on

• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
• Pradhan Mantri Suraksha Bima Yojana (PMSBY)
• Atal Pension Yojana (APY)
• National Pension System (NPS)

Additional Topics

• NEFT/RTGS SOP
• Incentive Scheme for BPMs
• Customer Service Guidelines
• Operational Procedures
• Frequently Asked Questions
• Latest Departmental Instructions

These topics are listed among the handbook’s major highlights.

👨‍💼 About the Author

Shri Kawal Jit Singh

• Assistant Director (Savings Bank) (Retired)
• Financial Services Expert
• Department of Posts

The author has previously published multiple books on POSB, CBS Manuals and Small Savings Schemes, and this edition builds upon those earlier works.

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