Post Offices

A post office is a public facility that provides mail services, such as accepting letters and parcels, providing post office boxes, and selling postage stamps, packaging, and stationery. Post offices may offer additional services, which vary by country. These include providing and accepting government forms (such as passport applications), and processing government services and fees (such as road tax, postal savings, or bank fees). The chief administrator of a post office is called a postmaster.

India Post is a government operated postal system in India, which is under the jurisdiction of Department of Post, Ministry of Communications of the Government of India. Generally called “The Post Office” in India, it is the most widely distributed postal system in the world. Warren Hastings had taken initiative under East India Company to start the Postal Service in the country in 1766. It was initially established under the name “Company Mail”. It was later modified into a service under the Crown in 1854 by Lord Dalhousie. Dalhousie introduced uniform postage rates (universal service) and helped to pass the India Post Office Act 1854 which significantly improved upon 1837 Post Office act which had introduced regular post offices in India. It created the position Director General of Post for the whole country.

It is involved in delivering mail (post), remitting money by money orders, accepting deposits under Small Savings Schemes, providing life insurance coverage under Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) and providing retail services like bill collection, sale of forms, etc. The DoP also acts as an agent for the Indian government in discharging other services for citizens such as old age pension payments and Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) wage disbursement with 154,965 post offices (as on 31.03.2017), India Post has the most widely distributed postal network in the world.

The country has been divided into 23 postal circles, each circle headed by a Chief Postmaster General. Each circle is divided into regions, headed by a Postmaster General and comprising field units known as Divisions. These divisions are further divided into subdivisions. In addition to the 23 circles, there is a base circle to provide postal services to the Armed Forces of India headed by a Director General. One of the highest post offices in the world is in Hikkim, Himachal Pradesh operated by India Post at an altitude of 14,567 ft (4,440 m).

Services

Philately

The first philatelic Society in India was founded in Calcutta on 6 March 1897 to service postage-stamp collections. Function include design, printing and distribution of special or commemorative postage stamps, definitive postage stamps and items of postal stationery, promotion of philately, conduct of philatelic examinations at the national level, participation in international exhibitions and monitoring exhibitions at the state, regional and district levels and maintenance of the National Philatelic Museum.

Army Postal Service

The Army Postal Service (APS) functions as a government-operated military mail system in India. A primary feature of Army Postal Service systems is that normally they are subsidized to ensure that military mail posted between duty stations abroad and the home country (or vice versa) does not cost the sender any more than normal domestic mail traffic. In some cases, Indian military personnel in a combat zone may post letters and/or packages to the home country for free, while in others, senders located in a specific overseas area may send military mail to another military recipient, also located in the same overseas area, without charge.

Electronic Indian Postal Order

The Electronic Indian Postal Order (e-IPO) was introduced on 22 March 2013, initially only for citizens living abroad. The postal orders can be used for online payment of fees for access to information under the Right to Information Act, 2005. The service was expanded to include all Indian citizens on 14 February 2014.

Postal Life insurance

Postal Life Insurance (PLI) was introduced on 1 February 1884 with the express approval of the Secretary of State (for India) to Her Majesty, the Queen Empress of India. It was essentially a welfare scheme for the benefit of Postal employees in 1884 and later extended to the employees of Telegraph Department in 1888. In 1894, PLI extended insurance cover to female employees of P & T Department at a time when no other insurance company covered female lives. It is the oldest life insurer in this country. There was over 6.4 million policies active as on 31 March 2015 with a sum assured of ₹130,745 crore (US$17 billion). Premium income of PLI for the year 2014-15 was ₹6,053.2 crore (US$800 million). It was extended to all rural residents on 24 March 1995.

Policies for government employees include Santhosh (endowment assurance), Suraksha (whole-life assurance), Suvidha (convertible whole-life assurance), Sumangal (anticipated endowment policy) and Yugal Suraksha (joint life endowment assurance). India Post started Rural Postal Life Insurance (RPLI) for the rural public in 1995. RPLI plans include Gram Santosh (endowment assurance), Gram Suraksha (whole-life assurance), Gram Suvidha (convertible whole-life assurance), Gram Sumangal (anticipated endowment assurance) and Gram Priya.

Postal savings

The post office offers a number of savings plans, including recurring deposit accounts, Sukanya Samriddhi Account (SSA), National Savings Certificates (NSC), Kisan Vikas Patra (KVP), the Public Provident Fund, savings-bank accounts, monthly-income plans, senior-citizens’ savings plans and time-deposit accounts.

Banking

In 2013 it was revealed that the Indian postal service had formulated plans to enter the banking industry after RBI guidelines for the issuance of new banking licenses were released. Eventually they are planning to open a Post Bank of India, an independent banking service.

As of 29 February 2016, 18,231 post offices are utilizing Core Banking Solutions (CBS). ATMs are installed at 576 Post Office locations and debit cards issued to Post Office Savings Bank customers. Core Insurance Solution (CIS) for Postal Life Insurance (PLI) is rolled out in 808 head post offices and corresponding 24,000+ sub post offices. In September 2017, it was announced that by 2018 all of the 1.55 lakh post offices, every postman and grameen dak sevak (postmaster) will accept all payment options that the India Post Payments Bank (IPPB) plans to provide.

On 1 September 2018 the India Post Payments Bank was inaugurated by prime minister Narendra Modi.

Data collection

A collaboration between the Ministry of Statistics and Programme Implementation (MoSPI) and the Department of Posts has enabled the computation of consumer-price indices for rural areas. These statistics were previously unobtainable, due to problems of remoteness and scale. The agreement authorises the postal service to collect data on prices paid for selected consumer goods. In February 2011, MoSPI published its first Consumer Price Index (CPI) and All-India Consumer Price Index. The information has since been published monthly, based on data available from 1,181 villages across the country.

E-commerce delivery

The boom in e-commerce and the surging number of cash-on-delivery consignments has led India Post to partner with major e-commerce portals for delivering pre-paid as well as cash on delivery (COD) parcels. According to the Minister for Communications and Information Technology, Ravi Shankar Prasad, revenue of India Post from such deliveries would go up to ₹15 billion (US$200 million) in the year 2015–16.