The department of post {DOP}, trading as India post, is a government-operated postal system in India. Generally referred to within India as “the post office, it is the most widely distributed postal system in India.

The postal service is under the department of post, which is part of the         ministry of post. Communications and information technology of the Government India.

Post and the British raj {1858 – 1947}

                   The British raj was instituted in 1858, when the rules of the East India Company was transferred to the crown. By 1861, there were 889 post office handling nearly 43million letters and over 4.5 million newspaper annually. The first time superintendent of the post office was appointed in 1870 and based in Allahabad and in 1876. British India became the first non-founding member of the general postal union.

A number of acts were passed during the British raj to expand and regulate posts and telegraphs services

The Government savings bank act 1873 passed by the legislature 28 January 1873, was enacted in 1881, on 1 April 1882. Post office savings banks opened throughout India.

Postal life insurance began on 1/02/1884 as a well fare measure for the employees of the post and telegraphs department as government of India dispatch no. 299 dated 18th October 1882.

Indian telegraph act 1885.

The Indian post office act 1898.

The Indian wireless telegraphy act 1933.

The post and telegraphs department divided on January 1985.

Post – Independence {After 1947}

            Since Indian independence in 1947, the postal service countries to function on a nationwide basis. Providing a variety of services. The structure of the organization as the directorate as its apex.

Chapter :- 2

Post office


Meaning of post office;

Post office is a customer services facility forming part of national postal system. Post office, offices mail- related services such as acceptance of letters and parcels; provision of post office boxes; and sale of postage stamps packaging and stationery.

 An office or station of a Government postal system at which mail is received and stored, from which it is dispatched and distributed, and at which stamps are sold or other services rendered the department of a government charged with the transportation of mail a game in which one player is designated “postmaster” or “postmistress”.

               A post office is a place that is made available by the postal system to post, receives, sort, handle and to move or deliver mark.

   Post office is an institution run by the central Government.  The main function of the post office is to accepts letters, Insurances letters, registered letters and money orders and sold post card, envelops and stamps to the people.  In every town and even in the remote villages there are post office for accepting and delivering these things. The chief of the post office is called the post master.

 Postman delivers letters and money orders to the payee.  They go from house to house. There is a letters box in the post office for posting of letters sent outside. Apart from these things, there is also a telephone and telegram facility in some post office. Savings bank accounts can be opened with them. Cumulative deposits time deposits and cash certificates are also available with them. Deposits and withdrawals are done in the post office previously, the letters were sent by horses but now-a-days these are sent by railways, transport and airways.

As a result, letters and others articles sent through reach the destination in short time from long distance.

      The post office is very useful to us in our everybody life. It is also safe to keep our money in the post office.

Definition of post office

          A government department or agency handling the transmission of mail.

 A local branch of a National post office handling of the mail for a particulars place or area.

A building where the mail for a local area is sent and received. Post office the government department in charge of collecting and delivering of mail.

 Function of post office :-

                   The primary function of post office in the initial year was to provide Indians with communications services delivering mail parcel and telegrams. Over more than 180 years of evolution.  The function have grown and expanded to include on entire world of product and services in banking financial, Insurance, Retail and philately services among many others.

                 The functions are delivered at great value with speed and reliability that is very impressive given the huge scale of operation of Indian post.


Department of Post – Functional Units


1.Socio-economic enabler for inclusive growth:

      As the largest postal network in the world.  India post as functioned as a major enabler for the socio economic development of India.  Touching the lives of Indians in every corner of the country.  Particularly in rural India. India post as functioned as the government’s agent for providing last mail delivery of government scheme to the poor. These include distributing old age pensions, scholarships, and rural employment guarantee schemes for the weaker section of society.

2.Counter services

   Generations of Indians have grown up with a firsthand experience of mail service offered over the counter at post office.  The counter sales functions include the sale of the inexpensive and humble post cards to inland letters cards, envelopes, stamps and other postal stationery.  Over the year, the functions have expanded to include the booking and insurance of parcels and postal articles, money order registered post and premium mail services such as speed post express parcel greeting post, logistic post, e post and others

3.Mobilizing savings and providing financial services;

 One of the most important functions performed by India post is that of mobilizing savings by accepting small deposits and brining about financial inclusion by offering the more vulnerable strata of our society with attractive and safe investment option.


Under financial services. India post also provides the vital function of providing insurance through its postal life Insurances and rural postal life Insurance schemes.  Postal life insurance was introduced in 1884 as on employee welfare scheme for staff of the department of posts as of march 2015 it had more than 6.4 million policies covering postal employees. Control and state under taking employees and employers of nationalized banks.  Government schools and universities etc.

5.Business Solutions:

The huge infrastructure of India post is also being used to generate new revenue streams through customized business solutions such as express parcel, business parcel, business post logistics, post. Bill mail and the like E-commerce companies are leveraging the reach of India post to open up new markets in smaller towns and rural areas.

6.Army postal services:

      This highly subsidized mail and package function by India post is for the armed force of India. Military mail is sent between duty stations in India of abroad and it als…

7.Promoting philately:

India post promotes philately by issuing commemorative and special issues postage stamps with first day cover. It has dedicated philatelic.

Chapter :- 3


Post Office Savings Bank – The Safest Investment

“Save today – Smile tomorrow “

“pay today is your savings day”

Savings account

  1. Account can be opened by cash only
  2. Cheque facility can be taken an existing account also.
  3. Nomination facility is available at the time of opening and also after opening of account.
  4. Account can be transferred from one post office to another.
  5. One account can be opened in one post-office.
  6. Account can be opened in the name of the minor and a minor of 10 years and above age can open and operate the account.
  7. Joint account can be opened by 2 or 3 adults.
  8. At least one transaction of deposit withdrawal in three financial years is necessary to keep account active.
  9. Single account can be converted in to joint and vice versa.
  10. Deposits and withdrawals can be done through any electronic mode in CBS post-office.



The main features of a post office saving account are:

  • The depositor can choose to close the account at any time of his or ther choosing.
  • The account can be opened by each only.
  • Nomination facility is available as well as after opening the account.
  • Interest earned is fax free up to Rs.10000 per year from financial year 2012-.
  • Income tax relief is available on the amount of interest unkder the provision oof section 8OL of the income tax act.
  • The account can be converted to joint accounts and vice versa.
  • Deposits and with drawal can be done through any electronic mode in CBS post offices.


  • Account may be opened by individual.
  • Account can be opened by cash/Cheque and in cash of cheque the date of realization of cheque in Government account shall be date of opening of account.
  • Nomination facility is available at the time of opening and also after opening of account.
  • Account can be transferred from one post office to another.
  • Any number of account can be opened in any post office.
  • Account can be opened in the name of minor and a minor of 10 years and above age can open and operate the account.
  • Joint account can be opened by 2 or 3 adults single account can be covered into joint and vice versa.
  • Minor after attaining majority has to apply for conversion of the account in his name.
  • The investment under 5 years TD qualifies for the benefit of section 80c of the income tax act 1961.

Senior Citizen Savings Schemes {SCSS} Account

  • An individual of the age of 60 years or more may open the account.
  • An individual of the age of 55 years or more but less than 60 years who has retired on superannuation or under VRS can also open account subject to the conditions that the account is opened within one month of receipt of retirement benefits and amount should not exceed the amount of retirement benefits.
  • Maturity period is 5 years.
  • A depositor may operate more than one account in individual capacity or jointly with spouse {husband/wife}.
  • In case of cheque, the date of realization of cheque in Government account shall be date of opening of account.
  • Nomination facility is available at the time of opening and also after opening a account.
  • Account can be transferred from one post-office to another.
  • Any number of accounts can be opened in any post office subject to maximum investment limit by balance in all account


  • Any individual (a single adult or two adult jointly ) can open an account.
  • Advance deposits earn rebate.
  • Four defaults are allowed.
  • Default can be paid within 2months.
  • Part withdrawal facility available.
  • Premature closure allowed after available.
  • Pay roll savings scheme is also available for employees.

Chapter :- 4



 Arrangement of non-postal stamps distribution Nodal point as per the requirement in the entire state non-postal stamps stocks are obtained at one point and for distributing to different districts Ahmedabad M S building Lal Darwaja office is declared as the ‘non point’ for the non-postal stamps.  The head of the nodal point is the superintendent of stamps.

          Non postal stamps stocks are received from the India security press Nasik by this point through personal delivery and thereafter it is distributed in the entire state in different district treasury offices as per their requirement.

The use of different types of non postal stamps are done for different types of dealings as per each types of use the distribution is done



          With regard to the non-postal stamp types and its use as started here below there are different types of stamps and dealing started against it.


 For the sales, purchase transfer of building land like immovable properties in the transfer mortgage etc., as per the rates determined by the government for recovery of the stamp duty such persons are executing the sale deeds on non-judicial stamp papers as per the stamp duty value.  More over the agreement affidavits loan security and etc., dealing there is use of non-judicial stamp papers of value.       Rs.5/ Rs.10/ Rs.20/ Rs.50/ Rs.100/ Rs.500/Rs.1000/Rs.5000/ Rs.10000/ Rs.15000/ Rs.20000 and Rs.25000 are available.


 For making use of such type of stamps if the government authorized stamp vending office has stamp machine available than an the document produced the necessary amount framing print can be impressed.

Moreover, if there is demand of the same by the balesloan granting private company and etc. then special adhesive stamps framing license is also issued by the superintendence of stamps.  Gujarat state, Gandhi Nagar,   special adhesive stamps of value.

RS.1/ Rs.2/RS.5/Rs.10/RS.20/Rs.50/Rs.100/Rs.500/Rs.1000and Rs.5000 are available.



 In this manner for making use of this type of stamp the state government has made available the facility of e-stamping through the state holding co-operation of India ltd., this facility is available in the state in all the districts and Talukheadquarters at the office of the sub-register.  Thus document will be made available the facility of the duty to site.  By this facility as per the requirement the stamps duty payment e-stamping certificate can be made available immediately.


The Insurance Company are selling the policy on which the Insurance stamp is used.  Insurance stamps of value Rs.1/ Rs.2/ Rs.5/ Rs.10/ Rs.20/ Rs.50/ Rs.100/ Rs.500/ Rs.1000/ of available.

More over if there is demand made by the Insurance Company then for the framing of the Insurance stamps the license is issued by the super intendent of stamps.


 In the event of shares sales- purchase or transfer the use of the stamps is made are available.

Rs.1/ Rs.2/ Rs.5/ Rs.10/ Rs.15/ Rs.100/ Rs.200 are available.


  In the dealing of the private companies with the foreign companies the foreign bill stamps are made use of the said stamps of value.Rs.1/ Rs.2/ Rs.5/ Rs.10/ Rs.50/ Rs.100 available.


   Before making use for affidavit, power at attorney like documents is has to be notarized by the executive magistrate are the government appointed notary.  Where in by the notarial stamps duty is recovered the notarial stamps are available of Rs.5.


 In the entire state Rs.5000 or more amount of transactions the revenue stamps are signed and the document has to be executed.  The revenue stamp of Rs.1 value is available.


  In the case of marriage registrations the duty agreement stamps as determined by the government has to be affixed and recovered.

Agreement of Rs.10 and Rs.100 is available


  The Insurance companies are selling the policy on which the insurance stamp is used Insurance stamps of value.

Rs.1/ Rs.2/ Rs.5/ Rs.10/ Rs.20/ Rs.50/ Rs.100/ Rs.500/ and Rs.1000 are available.


  In the cabals documents dealing the brokers note stamps are used. There stamps of value

Rs.1/ Rs.2/ Rs.5/ Rs.10/ Rs.50/ Rs.100 and Rs.500 are available.


  In the previous times in the promisors dealing the Hundi papers were used.  In place of the hundi papers of value.

Rs.1/ Rs.1.50/ Rs.2.50/ Rs.4/ Rs.5 and Rs.10 are available.


 In the court proceedings the court fees stamp paper is used.  Court fees stamp paper of Rs.50/ Rs.100/ Rs.200/ Rs.300/ Rs.500/ Rs.1000/ Rs.3000/ Rs.5000/ and Rs.25000 are available.


 These stamps are affixing stamps the area of the same is made on the applications used before the court and collector and additional collector.  The said stamps of value.

0.25 paisa/ 0.50 paisa/ Rs.1/ Rs.2/ Rs.3/ Rs.4/ Rs.5/ Rs.10 and Rs.20 are available.


  “A postage stamp is a small is a small piece of paper that is purchased and displayed on an item of mail as evidence of payment of postage.  Typically, stamps are printed an special custom made paper, show a national designation and a denomination (value) on the front, and have an adhesive gum on the back or are self-adhesive.

   A postage is a small piece of paper that is purchased and displayed on an item of mail as evidence of payment of postage.  Typically stamps are printed on special custom made paper show a national designation and a denomination (value) on the front and have an adhesive gum on the back or are self-adhesive postage stamps are purchased from a postal administration (post office0 or other authorized vendor, and are used to pay for the costs involved in moving mail, as well as other business necessities such as insurance and registration they are sometimes a source of net profit to the issuing agency.  Especially when sold to collectors who will not actually we them for postage.

  Stamps are usually rectangular but triangles or other shapes are occasionally used the stamp is affixed to an envelope or other postal cover (example packet, box, mailing cylinder) the item is then processed by the postal system, where a postmark sometimes known as a cancellation mark is usually applied in overlapping manner, to stamp and cover.  This procedure marks the stamps as used to prevent its recue.  In modern usage postmarks generally indicate the date and point of origin of the mailing.  The mailed item is then delivered to the address the customer have applied to the envelope or parcel.

  Postage stamps have facilitated the delivery of mail since the 1840 before then, ink and hand-stamps (hence the word stamp) usually made from wood or mark, were often used to frank the mail and confirm the payment stamp commonly referred to all the penny blank, was issued in the united kingdom in 1840.  The commonly referred to all the penny black.  Was issued in the United Kingdom in 1840.  the invention of the stamp was part of an attempt to reform and improve the postal system in the united kingdom of great Britain and Ireland which in the early 19th century, was in disarray and rife with corruption. There are varying accounts of the inventor or inventors of the stamp

Chapter :- 5


ATM/Debit Card: –

      For those account holders who have maintained the prescribed minimum balance on the day of issue of the debit card, CBS post offices can grant ATM/Debit cards.

Minor Accounts

   Post Office Saving Account is available to minors. For minor below the age of 10, an account can be opened in their name, but the parent or guardian will be given rights to operate the account on their behalf. Minors of rights to operate the account on their account on their own.


If you shift your residence or are not happy with the service of the post office branch or for any other reason, you can shift your Post Office Saving Account to a branch of your choice. Only one account can be opened in one post office. Who is eligible to open a Post Office Saving

The following individuals are eligible to open a Post Office Saving Account.

  • Adults
  • Minors with a minimum age of ten years.
  • A guardian on behalf of a minor
  • A person of unsound mind
  • Two or three adults can open a joint account

However, Group Accounts, Institutional Accounts and other account like Security Deposit Accounts and Official Capacity Accounts are not permissible.

Electronic Facilities

Customers can make withdrawals and deposits through any electronic mode in CBS Post Offices.


Long Period for Inactivity

In order to keep the account active you only need to carry out one transaction of a deposit or withdrawal in 3 financial years.  The account will not be deemed inactive unless there are no transactions for 3 financial years.

Post Office Saving Account:-

A Post Office Savings Account is similar in many ways to a regular saving account. It is considered to be a highly secure instrument to deposit funds into and offers the option of full or partial liquidation of funds at very short notice in case the needs arises. These accounts generally offer a guaranteed return on investment and are ideal for senior citizen and people who are looking to earn a regular income without exposure to risk.

   Post Office Savings accounts are also best suited for those individuals living in rural and semi – rural areas, which have limited exposure to banking. Due to the large network of post offices in India, the government introduction the concept of opening saving accounts through post offices, especially since the country wide reach of post offices is far greater than banks.


The facility to nominate someone is made available under these accounts at the time of opening the account. The account holder can also chose to nominate

A person to receive the proceeds of this account after this account after their demise at any time.

Interest Rate of Post Office Saving Account

 Post Office Saving Accounts earn a fixed rate of interest through the year, subject to change from time to time, as declared. Currently, the interest rate is as given below.

Details        Percentage  per  annum


Rate of Interest         4% pea

Joint Holdings:

 Two or three adults are allowed to hold an account together under the joint account facility. A single account can be converted to a joint account and vice versa.

Tax Exemptions:-

        Under the provisions of sections 80L of the Income tax act, interest earned from the savings in these accounts are exempt from tax up to Rs. 10,000 earned per years.



  • Deposit can be made in lump-sum or in 12 installment.
  • Joint account cannot be opened.
  • Account can be opened by cash/cheque and incase of cheque the date of realization of Cheque in government account shall be date of opening of account.
  • Nomination facility is available at the time of opening and also after opening of account. Account can be transferred from one post office to another.
  • The subscriber can open another account in the name of minors but subject to maximum investment limit by adding balance in all account.
  • Maturity period is 15 year but the same can be extended within one year of maturity for further 5 years and so on.
  • Maturity value be retained without extension and without further deposits also.
  • Premature closure is not allowed before 15 years.
  • Deposits quality for deduction from the income under sec 80 of IT act.



Chapter :- 6

                   POSTAL SCHEME

Sukanya Samriddhi Yojana scheme.

  • Sukanya samriddhi yojana is available for any girl child having 10 years or less.
  • The account can be maturity after 21 years from the date of opening account.
  • Repairs 150000 is the maximum amount can be deposited in account.
  • Account can open any post office also at authorized bank.
  • This scheme has 8.6% interest per annum which is more than other scheme in the market.
  • If the girl child gets is year then the partial withdraws can do for her. marriage or higher studies.
  • This scheme account can be open by the parents or guardian of girl also operated until the age of 180years.
  • For one girl only one account, multiple alit are not allowed.
  • Girl reached 18 years then up to 50% deposited amount can be prematurely withdrawn for his purpose

Life plus senior citizens account – senior citizen savings account

     Carry out your day-to-day banking transaction independently with ICICI bank.

 “Life plus” senior citizen savings a/c a savings account designed for customer about 60 years of age.

We have special senior citizen desks at all our branches. where you can carry out all your banking transaction without having to wait in queues.

Special senior citizen desks for all your banking transaction, saving the wait in queues.

  • Special senior “life plus” debit card, frees of charge.
  • Free and unlimited cash transaction at branch
  • Free SMS , alert facility
  • Money multiplier facility


From 1/04/2017 interests rate are as follows:

8.4% per annum payable from the date of deposits of 31st march 30th September and 31st December in the first instant and thereafter interest shall be payable on 31st march 30th June , 30th September and 31st December.

  • There shall be only one deposit in the account in multiple of INR 1000/- maximum not exceeding INR 15 lakh.
  • TDS is dedicated at source on interest amount is more than INR 10000/- per annum.
  • Account can be opened by cash for the amount below INR 1 lakh and above by cheque only.



  • Special senior citizen desks for all your banking transaction savings the wait in queues. [1:02 PM, 3/27/2019] Kavya 143: Special senior “life plus” debit card, free ofcharge.
  • Free and unlimited cash transaction at branch
  • Free SMS Alert facility.
  • Money multiplier facility.

Pradhan Mantri Jeevan Jyothi Bima Yojana:

 Pradhan Mantri Jeevan Jyothi Bima yojana is a government – backed life Insurance scheme in India. It was originally mentioned in the 2015 budget speech by finance minister Arunjaittly in February 2015. it was formally launched by prime minister Narendhra Modi on a May in Kolkata.

 As of May 2015 only 20% of India population has any kind of Insurance. This scheme aims to increase the number.


  • Account may be opened by individual. Account can be opened by cash/cheque and in case of cheque the date of realization of cheque in Government. Account shall be date of opening of account.
  • Nomination facility is available at the time of opening and also after opening of account.
  • Accounts can be transferred from one post office to another. Any number of accounts can be opened in any post office subjected to maximum investment time by adding balancing all accounts.
  • Accounts can be opened in the name of minor and a minor of 10 years and above age can open and operate the account
  • Joint account can be opened by 2 or3 adults, all joint account holders equal share in each joint account single account can be converted into joint and vice versa.
  • Minor after attaining majority has to apply for conversion of the account in his name, majority period is 5 years from 01/12/2011.


 1.Investment doubles in 8years 7months.

  2.Encashment at any time after expiry of 2 ½ years from the date of issue of certificate at any post office.

   3.Post maturity interest is also admissible at the rate applicable from time to time (at present 3.5%







Chapter :- 7


Conclusion :-

The postal services are an infrastructure services in the same way as telecommunications.  Piped Gas and electricity water supply sanitation and sewerage etc.,It has distribution networks.  Accessible to all citizens and former or standard in services and responsible for a universal service.  It has to be gives its proper recognition and financing by the Government.

Today postal department as to equip its self by improving its services and saving scheme to satisfy the customers in the light of changing environmental, it has to constantail upgrade its knowledge of internal and external environmental to the understand the customer relationship properly.

In this project we are briefly explained facilities and services which are rendered by the post office.  There so many people thing that post office means only sending letters and parcels but post office send so many facilities and services that actually the people are not using that facilities in this project we are identified some of the postal facilities which are helpful to the people

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