With a view to enabling the old/sick/incapacitated account holders, the postal department has allowed senior citizens, differently disabled persons, and persons with physical infirmity to authorize a person to operate their post office accounts such as the Senior Citizens Savings Scheme (SCSS), Post Office time deposits, savings account, etc. Up till now, the above facility was not available to the post office customers and the senior citizen and persons with physical infirmity would have to visit the post office branch to make withdrawals/close accounts, make premature withdrawals from the post office schemes. Now, these types of customers can appoint an authorized person to deal with the account on their behalf.
Through circular dated August 04, 2021, the Department of Posts advised that in case of extreme exigencies (i.e.Senior Citizens or illness of account holder or suffering from physical infirmity or is with differently-abled conditions) the withdrawal or loan or account closure or premature closure may be allowed through authorised person.
According to the department circular, the decision of allowing authorized persons to operate the account was taken by the department as they were receiving various representations from the depositors that due to old age or illness they are unable to attend post offices for withdrawal or loan or closure or premature closure of accounts.
“ Keeping in view of difficulties faced by the Senior Citizens or people suffering from illness, the issue was taken up with Ministry of Finance and keeping the provisions in Rule 11 of ‘Government Savings Promotion General Rules-2018’ in mind, competent authority has decided that in case of extreme exigencies (i.e.Senior Citizens or illness of account holder or suffering from physical infirmity or is with differently-abled conditions) the withdrawal or loan or account closure or premature closure may be allowed through authorised person, said the circular.
Procedure for appointment of the authorized person and operate the account without the physical presence of the account holder:
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