Pharer BO Pincode – 176064
Official postal details for Pharer BO (BO) in Kangra, Himachal Pradesh.
Pharer BO is an official Branch Post Office (BO) with PIN Code 176064. It is situated in Kangra district, Himachal Pradesh, operating under Dharamsala Division with delivery status: Delivery. The universal IPPB & post office IFSC code is IPOS0000001.
- PIN Code
- 176064
- IFSC Code
- IPOS0000001
- Office Type
- BO
- Delivery
- Delivery
- Division
- Dharamsala Division
- Circle
- Himachal Pradesh Circle
- District
- Kangra
- State
- Himachal Pradesh
Pharer BO Postal & Banking Details
Verified postal directory specifications, centralized IPPB banking parameters, and administrative hierarchy for Pharer BO (PIN: 176064).
UIDAI Aadhaar Services Guidance
Aadhaar enrolment and update counters in India operate only at designated post offices and authorized UIDAI centers. To find verified Aadhaar service locations in Kangra, check valid documents for update, or view official UIDAI fee schedules, refer to our comprehensive Post Office Aadhaar Center Guide or visit the official UIDAI portal (uidai.gov.in).
💰 Available Banking & Savings Schemes at Pharer BO
Government of India Small Savings Schemes • 100% Sovereign Guarantee • Q4 2026 Notified RatesResidents served by Pharer BO (PIN: 176064) can invest in official Government of India Small Savings Schemes. Accounts can be opened directly at the counter by submitting Form 1 with KYC documents (Aadhaar & PAN). All deposits carry a direct sovereign guarantee from the Ministry of Finance with zero commercial bank default risk.
Monthly Income Scheme (MIS)
- Fixed monthly pension credited directly to savings account.
- Single limit: ₹9 Lakh | Joint limit: ₹15 Lakh.
- 5-Year tenure with 100% capital returned at maturity.
Kisan Vikas Patra (KVP)
- Doubles your investment in exactly 115 Months (9 Yrs 7 Mo).
- Minimum deposit ₹1,000; no upper limit.
- Can be pledged as collateral for bank loans.
5-Year Recurring Deposit (RD)
- Start from just ₹100 per month (no upper cap).
- Up to 50% loan facility available after 1 year (12 deposits).
- Advance deposits rebate for 6 or 12 months.
Senior Citizen Scheme (SCSS)
- Highest sovereign rate with quarterly pension credits.
- Individual limit: ₹30 Lakh | Joint couple: ₹60 Lakh.
- Section 80C deduction + ₹50,000 Sec 80TTB tax-free interest.
Post Office Time Deposit (FD)
- 1-Yr (6.9%), 2-Yr (7.0%), 3-Yr (7.1%), 5-Yr (7.5%).
- 5-Year deposit eligible for Sec 80C tax deduction.
- Zero TDS deducted at source by India Post counter.
PPF & Sukanya Samriddhi (SSY)
- PPF: 7.1% p.a. 15-year disciplined compounding.
- SSY: 8.2% p.a. highest return for girl child up to 10 yrs.
- 100% tax exemption on deposit, interest, and maturity (EEE).
📄 How to Open a Small Savings Account at Pharer BO:
Carry self-attested copies of Aadhaar Card, PAN Card, and 2 Passport Photos along with initial deposit cash/cheque. Fill out Form 1 at the counter.
🏦 IPPB Banking, AePS Cash Withdrawal & DBT Subsidies
Aadhaar Biometric Cash Out • PM-KISAN, Ladli Behna & Pension Direct Benefit TransferPharer BO operates as an active node for India Post Payments Bank (IPPB). You can withdraw cash from ANY bank account (SBI, PNB, BoB, HDFC, Canara) using just your fingerprint without an ATM card, receive government DBT subsidies directly, or book home cash delivery through your local postman.
AePS Fingerprint Cash Out
- No ATM Card Required: Withdraw up to ₹10,000 cash daily from any bank.
- Instant Authentication: Biometric thumb impression on micro-ATM.
- Free Services: Balance enquiry & 10-transaction mini statement are 100% free.
DBT Government Subsidies
- Guaranteed Credit: PM-KISAN (₹6,000/yr), Ladli Behna, and NSAP pensions.
- NPCI Aadhaar Seeding: Instant e-KYC account linking at counter or via GDS.
- Zero Balance Account: Opened in 5 minutes with zero initial deposit.
Postman Doorstep Banking
- Regulated Fee: Just ₹20 + GST (₹23.60 per visit) for home cash delivery.
- Pensioner Life Certificate: Digital Jeevan Pramaan at home (₹70 fee).
- Quick Booking: Call 155299 or request through your delivery postman.
Postal Tools & Services for Pharer BO
Frequently Asked Questions – Pharer BO (176064)
What is the PIN Code of Pharer BO?
The postal PIN code of Pharer BO is 176064.
What are the timings of Pharer BO (BO) Post Office?
Pharer BO (Branch Post Office) operates Monday to Saturday from 09:00 AM to 05:00 PM (counter services close around 03:30 PM). Branch Post Offices (BO) typically operate 4 to 5 hours daily (10:00 AM to 02:00 PM). It remains closed on Sundays and gazetted national postal holidays.
What is the official contact number for Pharer BO Post Office?
For parcel tracking, complaints, or inquiries regarding Pharer BO, contact the India Post national toll-free helpline at 1800 266 6868 (available Monday–Saturday 09:00 AM to 06:00 PM). For IPPB postal banking and doorstep services, call 155299.
Is Pharer BO (PIN: 176064) a delivery or non-delivery post office?
Pharer BO is registered as a Delivery post office. Dedicated postmen deliver Speed Post, registered letters, parcels, and government mail to local residents in PIN code 176064.
Which district and state is Pharer BO located in?
Pharer BO is located in Kangra district, Himachal Pradesh under Dharamsala Division.
Which postal division does PIN code 176064 fall under?
Pharer BO with PIN code 176064 falls under the Dharamsala Division postal division, Regional Office region, in the Himachal Pradesh Circle postal circle of India Post.
What is the IFSC Code for Pharer BO Post Office?
The universal IFSC code for all India Post Payments Bank (IPPB) and Post Office savings accounts at Pharer BO is IPOS0000001 for online fund transfers via NEFT, RTGS, IMPS, and UPI.