Post Office & IPPB IFSC Code
Official IFSC code for online money transfer (NEFT, RTGS, IMPS, and UPI) to all post office savings and India Post Payments Bank accounts in India.
How to Send Money via Google Pay, PhonePe & Paytm
Transfer funds to any Post Office Savings Account or IPPB account seamlessly in 4 simple steps:
Select Bank Transfer
Open Google Pay, PhonePe, or Paytm and choose "To Bank / Self Account" or "Bank Transfer".
Enter IFSC: IPOS0000001
Type IPOS0000001 in the IFSC field. The banking network will automatically identify India Post Payments Bank.
Enter Account Number
Enter the beneficiary's 12-digit Account Number and account holder's registered postal name.
Authorize Payment
Input the transfer amount, verify recipient details, and authenticate with your UPI PIN. Funds credit instantly 24x7 via IMPS.
IPPB Digital Account vs. Post Office Savings Account: Key Differences
Simple comparison between digital postal banking and traditional post office passbook accounts:
Primary IFSC Code
Universal direct code for NEFT, IMPS & UPI
Valid via linked IPPB sweep-in integration
Account Nature & Onboarding
Opened via Aadhaar e-KYC & QR Card in minutes
Traditional physical account at post office branches
Deposit & Maximum Balance
Statutory day-end wallet limit set by RBI
Unlimited balance with complete sovereign backing
Auto-Sweep Integration
Excess funds above ₹2 Lakh transfer automatically to POSB
Smoothly receives surplus balances from linked IPPB
Mobile Banking & UPI Access
Direct linking on Google Pay, PhonePe, Paytm, BHIM
Access digital payments through linked IPPB interface
Official India Post Payments Bank Customer Care
For transfer verification, failed NEFT/IMPS credits, or passbook assistance, reach out directly to official postal banking channels:
Frequently Asked Questions on Post Office IFSC Code
Verified answers to common fund transfer and IFSC routing queries:
The universal IFSC code for India Post Payments Bank is IPOS0000001. This single master IFSC code is valid for all branches and all Post Office savings accounts across all 36 States and Union Territories in India.
Yes. India Post operates on a centralized core banking architecture (Finacle). Whether your post office is located in Mumbai, Delhi, Kolkata, Chennai, or a remote village branch post office (BO), the IFSC code to receive money online is always IPOS0000001.
Yes, IPOS0000001 is 100% valid and verified for PhonePe, Google Pay, BHIM, and Paytm. To transfer money, select "Bank Transfer", enter IFSC code IPOS0000001, input the beneficiary's 12-digit account number, and complete payment via UPI. Funds credit instantly 24x7.
Yes. You can send money directly from SBI (via YONO SBI app, SBI Net Banking, or SBI branch counter) to any Post Office Savings Account (POSA) or IPPB account using NEFT or IMPS with IFSC code IPOS0000001.
The minimum balance required in a Post Office Savings Account (POSA) without a cheque book is ₹500. If the balance falls below ₹500 on the last working day of the financial year, a maintenance charge of ₹50 (+GST) is deducted.
The official central processing MICR code for India Post Payments Bank is 110197001 (New Delhi Central Processing Centre).