The Postal Department has launched a new facility that allows users to download their Interest Certificate directly through the Post Office’s Internet Banking portal.
This move brings major convenience to Post Office Savings Bank (POSB) account holders. So, if you have a savings account or a fixed deposit (FD) with the Post Office, you no longer need to visit a branch to get your interest certificate.
This will be especially helpful for senior citizens. You may need this certificate when filing your Income Tax Return (ITR).
On May 7, 2025, the Department of Posts issued an order stating, “For the ease of internet banking customers, a feature has been added that lets e-banking users download the interest certificate from the internet banking portal.”
If you have a savings account or a fixed deposit (FD) in the Post Office, you no longer need to visit a branch to get your interest certificate. This decision will be especially helpful for senior citizens. You may need this certificate while filing your Income Tax Return (ITR).
Why is the Interest Certificate important?
Apart from filing taxes, the interest certificate helps in verifying if you are receiving the correct interest on your deposits. It is also important for individuals whose income is below the taxable limit.
They can submit Form 15G or Form 15H to avoid TDS (Tax Deducted at Source) using the interest certificate. The key point now is understanding how to download this certificate from home:
Visit the website ebanking.indiapost.gov.in.
If you are already registered, log in using your user ID and password. If not, register first.
Once logged in, go to the Accounts tab.
Click on Interest Certificate.
Select the financial year for which you want the certificate.
Now, download your Interest Certificate.