Hand Book 2025-26 for National (Small) Savings Schemes

The Hand Book 2025–26 is the 7th edition of the trusted guide on Government National (Small) Savings Schemes, curated and written by Kawal Jit Singh, former Assistant Director (Savings Bank), Department of Posts.

🖋️ Author:

Kawal Jit Singh
Retd. Assistant Director (Savings Bank), Department of Posts
Financial Services Expert

🔖 Edition: 7th Edition (2025–26)

📅 Corrected up to: 10.07.2025
📄 Total Pages: 400+ (with charts, SOPs, flowcharts, FAQs)

🌟 Key Highlights of the Hand Book:

• ✔️ Step-by-step guide to open & operate accounts in all Savings Schemes with AML/KYC guidelines.

• ✔️ Covers Interest Rates, Tax Benefits, Limits, and discontinued schemes.

• ✔️ POSB Operations at Branch Post Offices (BOs) – practical procedures from POSB(CBS) Manual.

• ✔️ SOP & FAQs for DARPAN Android App.

• ✔️ Integration of POSB & India Post Payments Bank (IPPB) products.

• ✔️ Doorstep Banking by IPPB through MICRO ATMs.

• ✔️ Details of Prime Minister Jan Suraksha Schemes:

  • PM Jeevan Jyoti Bima Yojana (PMJJBY)

  • PM Suraksha Bima Yojana (PMSBY)

  • Atal Pension Yojana (APY)

• ✔️ Full SOP for NEFT/RTGS transactions.

• ✔️ Up-to-date guidance based on latest postal circulars & CBS procedures.

📚 Chapters Covered:

1. Savings Account

2. Recurring Deposit (RD)

3. Time Deposit (TD)

4. Monthly Income Scheme (MIS)

5. Senior Citizens Savings Scheme (SCSS)

6. Public Provident Fund (PPF)

7. Sukanya Samriddhi Yojana (SSA)

8. Kisan Vikas Patra (KVP)

9. National Savings Certificate (NSC)

10. PM CARES for Children Scheme

11. Mahila Samman Savings Certificate 2023

12. POSB Operations in EDBOs

13. SOP for Unified DARPAN Android App

14. Incentive Scheme for BPMs

15. Discontinued Schemes (Interest Tables Included)

16. PM Jan Suraksha Schemes

17. National Pension Scheme (NPS)

18. SOP for NEFT/RTGS Facility

19. Integration of POSB & IPPB Products

20. Doorstep Banking through IPPB

21. IPPB Micro ATM SOP

📝 Why You Need This Book:

• 🔍 Ideal for training new staff and updating knowledge of experienced employees

• 🏤 Boosts accuracy & service quality in rural post offices

• 📖 Written in easy-to-understand language – suitable for semi-literate field users

• 🎯 Helps achieve Government of India’s Financial Inclusion mission

• 💡 Must-have for those dealing with public-facing savings operations

Post Office Savings Schemes Book, National Small Savings Handbook 2025, POSB manual 2025, DARPAN SOP guide, IPPB Micro ATM procedure, Post Office RD TD MIS PPF Guide, Sukanya Samriddhi Yojana Book, Savings Schemes for BPMs, Financial inclusion handbook, Postmen savings account SOP, Government savings scheme 2025 book.