🏦 Post Office Small Savings Accounts Freeze Honge 3 Saal Baad: Kaise Unfreeze Karein – Janiye Pura Process

 

📌 Synopsis:

Agar aapka Post Office ka small savings account maturity ke 3 saal baad bhi close ya extend nahi hua hai, to ab woh freeze (jam) ho jayega. Department of Posts ne order diya hai ki har saal do baar aise accounts ko identify karke freeze kiya jayega — janiye kaunse accounts affected hain, freeze hone par kya hoga, aur kaise dubara activate karein.

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🔒 Kyu Freeze Honge Accounts?

Department of Posts (DoP) ne 15 July 2025 ko ek official order jari kiya hai jisme kaha gaya hai ki:

“Jo small savings scheme accounts maturity ke 3 saal baad tak close ya extend nahi kiye gaye hain, unhe freeze kar diya jayega.”

Ab se yeh process har saal 2 baar hoga:

• 1 January se (jin accounts ki maturity 31 December tak ho gayi ho)

• 1 July se (jin accounts ki maturity 30 June tak ho gayi ho)

Freezing process 15 din ke andar complete karna hoga.

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📋 Kaunse Accounts Ko Freeze Kiya Jayega?

Aapke yeh Post Office wale accounts freeze kiye ja sakte hain agar 3 saal tak inactive rahe:

• 🏦 Time Deposit (TD)

• 💰 Recurring Deposit (RD)

• 📅 Monthly Income Scheme (MIS)

• 📜 National Savings Certificate (NSC)

• 👵 Senior Citizens Savings Scheme (SCSS)

• 🌱 Kisan Vikas Patra (KVP)

• 🧾 Public Provident Fund (PPF)

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🚫 Freeze Hone Par Kya Hoga?

Agar aapka account freeze ho jata hai to:

• ❌ Na aap paise withdraw kar sakte hain, na deposit

• ❌ Standing orders aur online banking services band ho jayengi

• ❌ Account ko tab tak extend ya close nahi kiya ja sakta jab tak aap usse unfreeze na kara lein

Isliye maturity ke turant baad action lena zaroori hai.

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✅ Kaise Unfreeze Karein Apna Account?

Agar aapka account freeze ho gaya hai, to use reactivate karne ke liye aapko nearest post office visit karna hoga aur neeche diye gaye documents submit karne honge:

📑 Required Documents:

1. 📘 Account Passbook ya Certificate

2. 🪪 KYC Documents – Aadhaar, PAN Card, Mobile Number, Address Proof

3. 📝 Account Closure Form (SB-7A)

4. 🏦 Aapke Post Office ya Bank Account ke Details – Cancelled cheque ya bank passbook ki copy jahan maturity amount transfer hoga

🏤 Verification Process:

• Post office official aapka signature match karega

• Account holder ki genuineness verify karega

• Uske baad hi account unfreeze kiya jayega

• Maturity ka paisa aapke savings ya bank account me credit hoga via ECS

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📅 Freeze Timeline Summary

🔁 Freezing Cycle	Maturity Date Tak	Freeze Start Date
January Cycle	31 December	1 January
July Cycle	30 June	1 July

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🔐 Kya Ye Penalty Hai?

Nahi — account freeze hona security measure hai, penalty nahi. Iska maksad hai aapke paise ko misuse se bachana.

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📝 Conclusion

Agar aapke paas koi bhi Post Office small savings scheme ka account hai jo 3 saal se zyada mature ho chuka hai aur aapne close nahi kiya, to turant post office visit karke usse close ya unfreeze karwayein.

Apne family members ko bhi is baare me batayein, taaki unka paisa safe rahe aur kisi bhi freeze se bachein.