Department Of Posts Introduces Personalised Cheque Book, Online Nomination Updation: How To Apply

The Department of Posts (DoP) has officially introduced Personalised Cheque Books (PCB) for Post Office Savings Account (POSA) holders. Through a circular dated May 7, 2026, all POSA holders can still avail of the traditional Instant Cheque Book, which lacked personal identifiers; however, now they also have the option to receive a personalised cheque book, which will bear their name, account number, and the IFSC code of the DoP. While banks have been using such personalised cheque books for a long time of around two decades, the feature for the POSA holders has been introduced now.

The PCBs will enhance security and customer convenience and are a part of the broader strategy to improve customer-centric experiences. While instant cheque books will not be available for those needing immediate access to the money, the PCBs will provide them with more professional experience.

According to the circular, “The Personalised Cheque Book shall contain pre-printed details of the account holder such as name and account number along with IFSC of Department of Posts (DoP).”

The PCBs will be delivered free of cost to the customers via speed posts at their last updated address. The facility is effective from May 8, 2026.

How To Apply For A Personalised Cheque Book?

In the first stage of rolling out the facility, the customers will have to visit their local post office to make the request. They need to submit a Cheque Book Request Form (Form SB/CQE-4), which is available at the counters or on the official website of the India Post. Once they submit the form, counter staff will verify the customer’s signature with the records and enter the request in the banking software (Finacle system).

Prerequisites To Initiate A PCB Request

• The primary accountholder’s mobile number must be linked to their customer information file (CIF).

• The account must maintain a balance of at least Rs 500.

• The account’s KYC, especially the address, should be updated to avoid delivery failure.

• First 10 cheque leaves in a calendar year will be free, and Rs 2 per leaf plus GST will be charged for every extra cheque leaf. The charge will be deducted from the account.

Notably, these PCBs will be printed in Delhi and Tamil Nadu. After printing, these cheque books will be dispatched through nodal offices, Kalkaji Head Post Office in New Delhi or the Tambaram BPC in Chennai.

According to the circular, the facility is currently available at the counter but will subsequently be made available online, through Net Banking and Mobile Banking.

Updating Nominee Details Online

In a parallel effort, the DoP has also changed its process to manage nominees in the account. According to its order dated May 4, 2025, POSB customers can now add, modify, or delete nominees in the account using Internet Banking.

Now, the customers don’t need to visit the post office for this purpose. Any request made online will be fully valid and at par with the physical registration forms, provided system records are consistent.

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