Post Office Schemes: Account May Freeze if Money Lies After Maturity

Post Office Schemes Rules: The post office offers various schemes where you can invest small amounts to secure your future. If you have also invested in any such post office scheme and have not withdrawn your money from the account even after its maturity, it could create a problem for you. If you do not make any transactions in such matured accounts for up to 3 years, your post office account may get frozen due to this.

Post Office Schemes Rules

The post office department will check accounts that have been completely inactive for the past 3 years every year in the months of January and July. All such bank accounts will be frozen at this time. After being frozen, you will have to reactivate them again.

Which Post Office Accounts Will Be Frozen?

For your information, let us tell you that the post office has various schemes like Time Deposit, Monthly Income Scheme, Public Provident Fund, Senior Citizen Savings Scheme, Kisan Vikas Patra Scheme, National Savings Certificate Scheme, Recurring Deposit Scheme, etc. If your amount in these accounts has matured and you are not using this account for transactions, deposits, withdrawals, or any online services, these can be frozen.

The postal department will issue a circular for this on July 15, 2025. Under this circular, the entire process will be completed before July 15. After the account is frozen, you will not be able to complete services like transactions, deposits, or withdrawals from your account.

How to Reactivate a Frozen Account?

If your post office account has also been frozen due to this process by the post office department, you will have to submit your frozen bank account’s passbook, KYC documents like Aadhaar card, account closure form, and a canceled check at the post office. After this, your identity and signature will be verified, and your account will be reactivated.