How to open India Post Payment Bank CSP

India Post Payment Bank (IPPB) is an initiative by India Post to provide banking and financial services to the unbanked population of the country. The IPPB facilitates the opening of a Common Service Center (CSC) through which rural India can access these services. This article will walk you through the process of opening an IPPB CSC.

Overview of India Post Payment Bank

India Post Payments Bank, also known as IPPB, is a payment bank under the Department of Posts, Ministry of Communications. Established in 2018, IPPBs are designed to support the Government’s vision of financial inclusion by providing banking and financial services to millions of people across the country.

IPPB has transformed 1.55 lakh post offices into digital outlets to provide a host of banking and financial services including savings and current accounts, money transfer, bill payments and other banking related services. It enables the customers to access their accounts via over 650 branches and 3,250+ access points using Aadhaar Enabled Payment System (AePS).

The department of posts and IPPB aim to provide convenient and affordable banking services across India that are secure yet easy to use. As part of this strategy he has invested in state-of-the-art technology infrastructure in all its post offices.

Customers can open a savings or current account with any post office or visit any branch or access point at just any time they wish and open account with just their Aadhaar number or a valid ID proof. There is no need for any documents as all information is verified digitally through a Centralised Authentication System (CAS).

The process of opening an account with India Post Payment Bank CSP is quite simple. To start off you must visit your nearest IPPBs branch or one of its 3200+ access points available across India with your Aadhaar card number/valid ID proof for identity verification purposes in order to open an account without documents .

The process involves physical verification of your identification document like Aadhar card, PAN Card , Voter’s Identity Card etc. at the branch by submitting application form with required details including photograph after which you will be required to deposit minimum amount initially which varies from Rs 500 for Savings accounts up to Rs 10K for Current Accounts .

After verifying details , the system will assign you Account number which will be active within 24 hours .You may use this Account number directly or choose MPIN (Mobile Banking PIN) option after receiving SMS on Mobile phone associated to Bank Account enabling customers do safe transactions over phone through USSD code *99# protocol.

Eligibility Requirements for India Post Payment Bank CSP

Opening a Post Payment Bank CSP in India requires that you meet certain eligibility requirements. These requirements are designed to ensure that you will be able to successfully run your CSP and provide customers with reliable services.

To be eligible, you must meet the requirements outlined by India Post and be eligible for a bank account. When you have met all the requirements, you can then start the application process.

Age and Educational Qualifications

India Post Payment Bank (IPPB) offers an opportunity to the public to open their CSP Centers. There are certain eligibility criteria that must be fulfilled in order to enjoy the opportunity to providing payment services and banking services. These eligibility criteria include age requirement, educational qualifications, and a satisfactory credit score.

Age Requirement: Candidates interested in becoming CSPs must be at least 18 years of age when they submit their application.

Educational Qualifications: Aspiring CSPs should have completed 8th class or higher primary education with basic knowledge of computers and smart-phones (ability to read, write, type & understand English). The applicants should also possess valid KYC documents such as PAN Card, Voter ID Card or Aadhaar Card.

Documents Required

Opening a CSP with India Post Payment Bank requires that you meet the eligibility criteria, establish your identity and provide supporting documents. Applicants must be 18 years of age or above with a valid ID that proves their age like Aadhaar Card, Voter’s ID or Driving License.

Additionally, candidates must provide necessary documents to prove both their identity and address such as Aadhar card, PAN card, voter’s ID or driver’s license in color along with the postal address proof such as recent electricity bill and bank passbook of any nationalized bank having current active account in the applicant name.

Further details related to KYC file is available on provided link ( All documents need to be uploaded for CSP registration process for further consideration of your application by India post payment Bank limited.

Upon successful completion of registration process with all necessary documents, new CSP will receive their Letter Of Intent (LOI) from IPPB within 15 working days from time of document submission.

Application Process for India Post Payment Bank CSP

The India Post Payment Bank or IPPB offers an opportunity for entrepreneurs to become India Post Payment Bank CSP or CSC. Opening a CSP can be a great way to generate additional income, as well as providing more services to the local community.

The application process for opening a CSP can be a bit complex, so here is a step-by-step guide to help you through the process.

Online Registration for India Post Payment Bank CSP

In order to apply for any program at our institution, applicants are required to complete an online registration. The online registration process consists of 6 steps:

1. Create an account – Applicants must first create an account and provide a valid email address in order to gain access to the application system.

2. Set up a profile – Applicants must set up a profile which includes information such as their name, contact information, and academic background information.

3. Submit necessary documents – Once the profile is created, applicants must submit their educational transcripts, diplomas, certificates and other supporting documents for review by our admissions office.

4. Pay the application fee – Applicants will be required to pay a non-refundable application fee in order to have their applications considered for review.

5. Submit application form – The final step of the online registration process involves submitting an application form with all of the necessary information filled out completely and accurately.

6. Review status online – Once all of these steps are completed, applicants can track and monitor the status of their applications via our online system easily 24/7 throughout the entire admissions process at any time they would like.

Offline Registration for India Post Payment Bank CSP

The offline registration process for applying to the India Post Payment Bank (IPPB) Customer Service Point (CSP) is divided into three stages:

Stage One:
The first step involves obtaining an application form, which can be picked up from your nearest post office. Apart from the form, you will also need to provide two passport-size photographs and documents such as your Aadhar card, PAN card and voter ID as proof of identity.

Stage Two:
Once the application form has been submitted at the post office along with the required documents, a background check will be initiated by IPPB and your application may take up to eight weeks for approval. During this time period, a representative from IPPB will visit your place of residence to verify all provided details.

Stage Three:
After successful completion of stage two, you will receive notification regarding approval status by email or post. On receipt of approval notification and successful selection in the interview (if any), applicants can proceed with training program modules provided by IPPB. Post successful completion of training program modules, applicants will have to pay applicable fees including an activation fee of Rs 1 lakh plus taxes to get their CSP set up in a timely manner.

Training and Certification for India Post Payment Bank CSP

In order to become a CSP for India Post Payment Bank, one must complete their training and certification. The training program will provide you with complete knowledge about the India Post Payment Bank and its various services.

The certification program will enable you to demonstrate your knowledge and enable you to start your own CSP store. This article will outline the process of getting training and certification for the India Post Payment Bank CSP.

Online and Offline Training

Opening a customer service point (CSP) for India Post Payment Bank requires getting the proper training and certification. Training is available both online and offline, through specific courses or courses specially provided by recognized training institutes and universities.

Online training includes lectures, demonstrations, dialogues with professionals in the industry and other resources to help you understand customer service points of India Post Payment Bank thoroughly. Offline training is similar but also includes hands-on experience in working with actual systems and customers, helping you gain better insights into the business.

Both online and offline training provide the knowledge necessary to pass relevant certification exams. The certification process involves a comprehensive evaluation of your abilities in terms of customer service skills and understanding of specific operations involved in a CSP.

The exams are conducted either online or at authorized exam centers. Passing these exams grants you permission to open your own CSP for India Post Payment Bank.

Certification Exam

To open a India Post Payment Bank (IPPB) Customer Service Point (CSP) an applicant must pass a 150-multiple-choice type questions exam conducted by the National Institute of Electronics and Information Technology (NIELIT). This exam is known as the India Post Payment Bank CSP Certification Examination.

The application process for the certification exam involves applying online to the IPPB CSP portal. On successful completion of all details, a payment gateway will accept payment for the requisite fee. A confirmation page with an acknowledgment Number will be displayed after payment is made.

The fee paid for taking the certification examination is non-refundable and valid for a period of one year from Data of Examination Fee Payment Registration. Candidates should ensure that they keep this acknowledgement number safe before attempting to take their examination.

After successful registration and payment, IPPB will send an email to those who have qualified who can then book their slot in order to take their examination at their allotted center with the allotted time period.

Candidate are required to bring along certain documents such as a valid government issued photo identification proofs, copy of acknowledgement receipt, copy of PAN card which contains date of birth details and four passport size photographs on day procurement for appearing in Certification Exam at Test Centre Intake mention in Permit Card issued by IPPB CSP Department.

Having made all necessary preparations applicants are now required to appear at allotted Test Venue & Time mentioned in Permit Card ready face certification examination according to procedures laid down by NIELIT only after scanning his/her identity proof at Security Check point established before entering test venue lobby & submitting Late Cooing Pass issued by Security Administrator followed by online Biometric Authentication before Instructions Screen gets displayed on Terminal Screen.

The maximum time duration given to complete this exam is 60 minutes (1 hour) and passing marks are 50 percent or 75 marks out of 150 multiple choice questions asked in this certification test examination. The score card will be displayed right after candidate clicks on ‘submit’ key and terminates his/her Examination Session on Terminal Screen.

Exam pattern consists sections like Banking & Financial Awareness, Basics info about Digital India, Basic awareness about Customers Rights also numerous other topics related directly or indirectly connected with banking system as per instructions prescribed by IPPB .

Post-Registration Process for India Post Payment Bank CSP

Once you have completed the registration process and been accepted by India Post Payment Bank, you will need to start the post-registration process. This entails completing the KYC requirements, submitting relevant documents, applying for the CSP license, getting a merchant ID, and setting up your CSP account.

All of these are important steps in order to have a functional CSP account. Now, let’s delve into the post-registration process in detail.

Activation of CSP

Activation of CSP is an important step needed to be completed in order to open an India Post Payment Bank CSP and enjoy the benefits associated with it. Every Registered Community Service Provider (CSP) must activate their account within 15 days of registration through two methods: Online and Offline.

Online activation involves the registered CSP signing into his/her account using the username and password provided at the time of registration. The CSP will then have to fill in a series of questions based on information that has been registered.

After successful completion of the online activation process, an email or SMS will be sent with a confirmation code that needs to be used while activating it offline.

Offline activation requires you to visit any head post office or select sub-post offices in your area along with documents providing proof, such as Aadhar card, PAN card and one other piece of valid identification issued by the government, such as DL, Voter ID and so on.

Fill up a form along with your documents and submit it at the Head Post Office or Sub-Post Office. Once this is done, your account is activated.

Opening of Bank Account

After you have completed the registration process for opening an India Post Payments Bank CSP, you will need to open a bank account with an India Post Payments Bank partner bank. This will allow you to receive payments from customers and pay merchants.

In order to do this, you should fill out either a Physical Account Opening Form or an Online Account Opening Form. The form includes details such as the type of account, the currency of denomination, and necessary information regarding the shareholding signatories.

Once this form is filled out and signed properly, it must be submitted at any post-office that serves as an India Post Payment Bank branch.

The account must then be activated according to the Terms and Conditions set by the bank before any transactions can take place.

During this process, two signatories who are duly authorized by the Post Office payments banks will entrust access to all types of banking services for the activity of third party transfers on behalf of customers. Upon successfully completing all these steps, your CSP account is ready for use.


In conclusion, opening an India Post Payment Bank CSP is a simple process provided you have all the required documents and information ready. You must register with Indian Postal Department and also visit the post office nearby to obtain other required documents. After being accepted by India Post Payment Bank, you need to download software to start working as a CSP.

The main advantages of becoming a CSP are that it allows you to operate from any location, offer a range of services including banking, money transfer and insurance services, access low investments initially combined with easy repayment option and access government social security schemes.

However there are various laws and regulations in place for getting certified as a CSP which makes it important for you to comply with them strictly for successful operations.

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