DoP to Freeze Inactive Small Savings Accounts (MIS /SCSS /TD /KVP /NSC /RD /PPF) After 3 Years of Maturity, see SB Order

DoP to Freeze Inactive Small Savings Accounts (MIS /SCSS /TD /KVP /NSC /RD /PPF) After 3 Years of Maturity, see SB Order

New Delhi: Department of Posts has issued a new directive under SB Order No. 10/2025 dated July 15, 2025. DoP announced that all Small Savings Scheme accounts that remain unclosed for more than three years after maturity will be frozen as part of a biannual process.

DOP Freeze Small Savings Accounts

National Small Savings Accounts like Monthly Income Scheme (MIS), Senior Citizens Savings Scheme (SCSS), Time Deposit (TD), Kisan Vikas Patra (KVP), National Savings Certificate (NSC), Recurring Deposit (RD), and Public Provident Fund (PPF), provided they have matured and not been extended or closed by the account holders, will be frozen.

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DoP has clarified that the freezing process will now be carried out twice every year, beginning on July 1 and January 1. All accounts that falls for this category will be identified and marked under the “INOP: Inoperative more than 3 years” status within 15 days from the start of the cycle.

The Standard Operating Procedure (SOP) mentioned in SB Order No. 25/2022 remains applicable and should be strictly followed by all post offices.

Account holders are encouraged to close or renew their matured accounts promptly to avoid any inconvenience.

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