Hey Friends, recently the postal directorate has issued a new SB order in the year 2021. We know that 22 Sb orders have already been issued by the Department of Posts. Now it issued a new SB order called SB Order 23/2021. Today I am going to share what is SB order 23/2021 and what order is containing it. So just read this post up to the end to know about SB order 23 2021 full information.

SB Order 23/2021, SB Order 23/2021 PDF download, SB order 23 2021

What is SB Order 23/2021?

F. No. FS-l4/l/2020-FS
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi-110001
Dated: - 04/08/2021


All Head of Circles/Regions

Subject: - Regarding withdrawal/Loan/ closure / premature closure of account through an authorized person.


This office is receiving various representations from the depositors that due to old age or illness, they are unable to attend post offices for withdrawal or loan or closure or premature closure of their accounts.

2. Keeping in view of difficulties faced by the Senior Citizens or people suffering from illness, the issue was taken up with the Ministry of Finance and keeping the provisions in Rule 1l of 'Government Savings Promotion General Rules-2018' in mind, the competent authority has decided that in case of extreme exigencies (i.e. Senior Citizens or illness of account holder or suffering from physical infirmity or is with differently-abled conditions) the withdrawal or loan or account closure or premature closure may be allowed through an authorized person.

All SB Order list in detail, issued in the year 2021 by the Postal Directorate

3. Keeping in view of the safety of depositor's hard-earned money, the following procedure shall be followed for the operation of account including withdrawal/loan/closure/premature closure of account through an authorized person.

i) The account holder(s) shall write an application in Form- 12 to the postmaster concerned, for the operation of account viz. withdrawal/loan/closure or premature closure of an account, etc.

ii) In the application form (Form- 12), the depositor shall authorize a literate person for the operation of his/her account.

iii) Signature of the authorized person shall be attested by the account holder(s). ln case of Joint B Account, any one of the account holder(s) can attest the signature of the authorized person.

iv) Authorized person shall not be a SAS/MPKBY agent or employee working in PO Savings Bank Branch in the post office concerned.

v) The account holder shall fill the withdrawal form (SB-7)/closure form (SB-7A)/account pretnature closure form (SB-7B)/Application for Loan (SB-7C) as the case may be in his/her writing and signed.

vi) Self-attested copy of ID and address proof of account holder(s) and authorized person shall also be enclosed. If any account holder(s) authorizes a person for more than one transaction viz. withdrawal/loan/closure, on any day, in such case, only one set of KYC documents and photo may be obtained. However. Form-12 shall be obtained for each account.

vii) Authorized person shall submit passbook, authority letter (Form- 12), withdrawal form (SB-7)/closure form (SB-7A)/account premature closure form (SB-7B)/Application for Loan (SB-7C) as the case may be and KYC documents of the account holder and authorized person at the concerned post office.

Post Office SB-7, SB-7A, SB-7B, SB-7C PDF download from here

viii) The counter PA shall tally the signature of account holder(s) available in the withdrawal form (SB-7)/account closure for, (SB-7A)/account premature closure form (SB-7B)/Application for Loan (SB-7C) and Form-12 with signature available in Finacle and SB-3/AOF.

ix)After tallying signature and documents, counter PA shall submit the case to Supervisor for approval.

x)Supervisor shall also check and verify documents as well as the signature of the account holder(s) with office record and if he/she is satisfied, he/she shall write order on top of the application as "authorization accepted" and sign.

xi)ln case the postmaster is not satisfied with the genuineness of the request of the account holder, he/she may depute a responsible official to physically verify the request of the account holder for withdrawal or loan or closure or premature closure of his/her account before effecting payment.

xii) Thereafter, counter PA/Supervisor shall follow the process for withdrawal/Loan/Account closure/Account premature closure, as the case may be as prescribed in the rules.

xiii) The payment shall be made by account payee cheque or credit into PO Savings Account or Bank Account of the account holder(s). No cash payment, irrespective of account, shall be given to the authorized pelson except in case of withdrawal from the Savings Account.

xiv) Signature of authorized person should be taken in acquaintance part of withdrawal form (SB-7)/ account closure form (SB-7A)/Account premature closure form (SB-7B) / Application for Loan (SB-7C). After the closure of an account, the account payee cheque or ECS outward receipt, passbook shall be handed over to the authorized person.

xv) The authority letter (Form-12) along with KYC documents, are to be attached with the voucher and submitted to SBCO.

xvi) SBCO branch shall check that no cash payment is made in cases of accounts closed by authorized persons irrespective of the amount and all documents are in order.

Note:-PO Savings Account holders can avail of Cheque/ATM/eBanking/mBanking/lPPB Account linking facility to withdraw the amount from their PO Savings Account as per their convenience. All the Post offices should provide a Cheque/ATM/eBanking/mBanking/IPPB Account linking facility to avoid inconvenience to account holders for SB withdrawal.

4. It is further clarified that for submission of an authorization letter in Form.12, the physical presence of the account holder(s) is not mandatory. It can be accepted by the authorized Person also.

5. It is requested to circulate these amendments to all concerned for information. guidance and necessary action.

6. This issues with the approval of Competent Authority.

Enclosed: Form- 12 

Yours Sincerely,

(Devendra Sharma)
Assistant Director (SB-lI)

What is Post Office Form 12?

It is a form regarding authorized 


(See Rule 11 of Government Savings Promotion Rules, 2018)

Letter of authority to open or operate an account under National savings
Schemes on behalf of depositors suffering from physical infirmity including


The Postmaster/Manager


l/we......................................................................... depositor of account number..................................
under......................................................... (Name of Scheme) hereby authorize Sh./Smt./Ms.................................................w/o, s/o, d/o .................................... in whom I confide and whose photograph and signature are attested below to operate the said account for the following purposes.

01.                                                                                    Paste Photograph of an authorized person




Specimen signature of the authorized person

Signature of witness                                         signature or thumb impression of Depositors

(Thumb impression should be attested by a person known to the Post Office)

Name & Address-

SB Order 23/2021 PDF download

Click here to download the PDF file of SB order 23/2021.

Form-12 PDF download

Click here to download the PDF file of Form-12 (Letter of authority to open or operate an account under National Savings Schemes on behalf of depositors suffering from physical infirmity including blindness.

Form 12 PDF download, Post Office Form 12