Post Office Account Transfer: How to Move Your Account to a New Branch

If you have relocated to a new city or area, you can transfer your post office savings account, RD, or other accounts to a different post office branch. The transfer process uses Form SB-10(b) and is done through the existing (old) post office. This guide covers the complete transfer process, required documents, and timeline.

Which Accounts Can Be Transferred?

You can transfer these post office accounts to another branch:

• Savings Account (SB)
• Recurring Deposit (RD)
• Time Deposit (TD) / Fixed Deposit
• Monthly Income Scheme (MIS)
• Public Provident Fund (PPF)
• Sukanya Samriddhi Account (SSA)
• Senior Citizens Savings Scheme (SCSS)
• National Savings Certificate (NSC) — transfer of related records
• Kisan Vikas Patra (KVP) — transfer of related records

Documents Required for Account Transfer

Mandatory Documents

• Form SB-10(b) — Account Transfer Request Form (available at post office)
• Original passbook of the account to be transferred
• Identity proof — Aadhaar card, Voter ID, or PAN card
• Address proof of new location — Aadhaar with updated address, utility bill, or rent agreement
• Account number and name of the destination post office

Additional Documents (If Applicable)

• Joint account: Consent letter from all account holders
• Minor's account: Guardian's identity and address proof
• PPF account: PPF passbook and all yearly account statements

Step-by-Step Process for Account Transfer

Step 1: Visit Your Current (Old) Post Office

1. Go to the post office where your account is currently held
2. Ask for Form SB-10(b) (Account Transfer Form)
3. If form is not available, write a transfer request letter to the Postmaster

Step 2: Fill Form SB-10(b)

Fill the form with these details:

• Your name (as in the account)
• Account number
• Type of account (SB, RD, TD, etc.)
• Name and address of the current post office
• Name and address of the destination post office (where you want to transfer)
• Reason for transfer (relocation, convenience, etc.)
• Date and signature

Step 3: Submit at Current Post Office

1. Submit Form SB-10(b) with all documents
2. Hand over your original passbook
3. The post office will verify your identity and account details
4. Get an acknowledgement receipt with date
5. The postmaster will close your account at this branch and prepare transfer documents

Step 4: Account Processing

• The old post office prepares a Transfer Credit (TC) with your account balance and details
• This TC is sent to the destination post office through official postal channels
• For CBS (Core Banking Solution) enabled post offices, the transfer is digital and faster

Step 5: Visit the New (Destination) Post Office

1. After receiving confirmation (usually via SMS or you can check after 7-15 days), visit the new post office
2. Carry your identity proof, address proof, and acknowledgement receipt
3. The new post office will open your account with the transferred balance
4. You will receive a new passbook with your transferred balance
5. Verify the balance and details in the new passbook

Account Transfer Timeline

CBS-enabled post offices process transfers faster as they use the centralized Finacle system. Most urban and semi-urban post offices are now CBS-enabled.

Transfer Charges

• No charges — Post office account transfer is free of cost
• There are no fees for Form SB-10(b) or the transfer process
• Your account balance, interest earned, and maturity dates remain unchanged

Special Cases

Transferring RD (Recurring Deposit)

• RD can be transferred mid-tenure without any penalty
• Monthly deposit amount and maturity date remain the same
• Continue depositing at the new post office after transfer

Transferring PPF Account

• PPF transfer follows the same SB-10(b) process
• All yearly contributions and interest records are transferred
• Your PPF tenure and maturity date remain unchanged
• See our PPF guide for more details

Transferring Joint Accounts

• All account holders must sign the transfer form
• If one holder has relocated and others haven't, consider whether transfer is practical
• All holders need to visit the new post office for verification

What If Transfer Is Delayed?

If your transfer takes longer than expected:

1. Visit the old post office and ask for the TC dispatch date
2. Contact the new post office and check if TC has been received
3. Call the India Post helpline: 1800-11-2011
4. File a complaint on pgportal.gov.in — see our complaint guide

Important Tips

1. Update Aadhaar address first — having updated address proof makes the transfer smoother
2. Note the exact name of the destination post office — confirm the correct post office name and PIN code before applying
3. Get everything in writing — always take an acknowledgement receipt for your transfer application
4. Don't deposit at old branch after applying — wait for the transfer to complete before making any transactions
5. Check CBS status — CBS-enabled post offices process transfers much faster; ask your postmaster

Disclaimer: This guide is for informational purposes only. CitizenNest is not affiliated with India Post or any government department. Process may vary slightly by postal circle.

Frequently Asked Questions

How long does post office account transfer take?

For CBS-enabled post offices, transfer takes 3-7 working days. For non-CBS offices, it may take 15-30 working days. Cross-circle transfers can take up to 45 days.

Is there any charge for transferring a post office account?

No, post office account transfer is completely free. There are no charges for the form or the transfer process.

Can I transfer my post office RD to another branch?

Yes, you can transfer your Recurring Deposit (RD) to any other post office branch. Your monthly deposit amount, tenure, and maturity date remain unchanged.

What is Form SB-10(b)?

Form SB-10(b) is the official Account Transfer Request Form used to transfer post office savings accounts, RD, TD, MIS, PPF, and other accounts from one branch to another.

Can I transfer my post office account online?

Currently, post office account transfer is primarily an offline process. You need to visit your current post office and submit Form SB-10(b). However, CBS-enabled post offices process the transfer digitally on their end.

What documents do I need for post office account transfer?

You need Form SB-10(b), original passbook, identity proof (Aadhaar/Voter ID), and address proof of your new location. Joint account holders need consent from all holders.

Will my interest rate change after account transfer?

No, your interest rate, balance, maturity date, and all account terms remain exactly the same after transfer. Only the branch changes.