ASSUME THAT YOU ARE RECEIVING SALARY EACH DAY/WEEK/MONTH.	WE USED TO WASTE MONEY EACH DAY/WEEK/MONTH/YEAR ( EXAMPLE: LOAN).
01. IF YOU ARE NOT HAVING POST OFFICE ACCOUNT, GO TO NEAR BY POST OFFICE AND OPEN FOLLOWING ACCOUNTS: a) SAVINGS ACCOUNT b) IPPB (MOBILE) ACCOUNT c) ENABLE INTERNET BANKING TO GET AND SET USERNAME/PASSWORD USING ONLINE d) AFFIX YOUR PASSPORT SIZE PHOTOS IN THOSE FORMS e) PROVIDE XEROX COPY OF YOUR AADHAR CARD AND PAN CARD f) PROVIDE YOUR VALID EMAIL g) PROVIDE YOUR VALID MOBILE NUMBER h) PROVIDE YOUR NOMINEE (IF YOU ARE USING JOINT ACCOUNT) h) VALIDATE YOUR NAME,MOBILE,EMAIL,AADHAR,PAN AND HOUSE ADDRESS BY ASKING THE SAME FROM POST OFFICE EMPLOYEE. REQUEST THAT GOVERNMENT EMPLOYEE TO SPELL EACH OF THEM(I WAS HAVING INVALID PAN FROM 2016 TO 2023).	a) OPEN FIXED DEPOSIT AT STATE BANK OF INDIA USING ONLINE OR YONO LITE SBI b) SUBMIT FORM15G USING ONLINE OR YONO LITE SBI FOR EXAMPLE: YOUR SALARY ON 30/31-EACHMONTH-YYYY YOU NEED TO PAY MIS FOR YOUR LOAN ON 01-EACHMONTH-YYYY OPEN FIXED DEPOSIT FOR 30/31/32 DAYS FOR YOUR MIS TO BE CLOSED ON NEXT PAYMENT. EXAMPLE: FIXED DEPODIT CLOSURE DATE NEEDS TO BE 01-EACHMONTH-YYYY ONCE CLOSED ON 01-EACHMONTH-YYYY, PAY YOUR PRINCIPAL TO YOUR MIS. ONCE CLOSED ON 01-EACHMONTH-YYYY, PAY YOUR INTEREST TO YOUR PRINCIPAL. DO NOT MISS THE PAYMENT OF YOUR MIS EACH MONTH/PERIOD.
02. YOU NEED HAVE A BANKING ACCOUNT	WE CAN PERFORM THESE KIND OF ACTIONS TO SAVE WITHOUT LOAN: a) LOAN MIS AND PRINCIPAL b) SUKANYA SAMRITHI ACCOUNT/NSC/MIS/TD/RD AT INDIAN POST OFFICE c) SAVING IN ADVANCE FOR KITCHEN ROOM CYLINDER FOR GAS d) LIC PAYMENT FOR CURRENT FINANCIAL YEAR f) CHILDREN'S SCHOOL/COLLEGE FEES g) CURRENT BILL (APPROXIMATE AMOUNT+ SOME AMOUNT) BASED ON YOUR OLD DATA BASE h) FUTURE PLANNED TRAVELLING/SCHOOL OR COLLEGE TRAVELS i) FUTURE PLAN TO BUY ANY VEHICLE.
WAIT FOR A WEEK TO ENABLE POST OFFICE INTERNET BANKING ACCOUNT. AFTER OBTAINING POST OFFICE INTERNET BANKING ACCOUNT USING YOUR YOUR BANK ACCOUNT TRANSFER 36000.00 FROM YOUR BANK ACCOUNT TO IPPB ACCOUNT LOGON AT IPPB MOBILE APPLICATION AND TRANSFER 36000.00 FROM YOUR IPPB ACCOUNT TO POST OFFICE ACCOUNT LOGON AT https://ebanking.indiapost.gov.in URL Click General Services available at top links Click Service Requests available at left links DRILL DOWN Option AND SELECT New Requests CLICK OK Click MIS Accounts - Open a MIS Account PROVIDE 3000.00 AND OPEN NEW MIS ACCOUNT DO THE SAME FOR TWELVE TIMES TO OPEN MIS ACCOUNTS ON SAME DAY OR DIFFERENT DAYS
NEVER EVER USE IMPS TO TRANSFER MONEY BETWEEN POST OFFICE <=> BANK OR BETWEEN BANKS/POST OFFICE. => TO AVOID IMPS SERVICE CHARGES ALWAYS EVER USE NEFT TO TRANSFER MONEY BETWEEN POST OFFICE <=> BANK OR BETWEEN BANKS/POST OFFICE. WAIT FOR 30 TO 59 MINUTES TO RECEIVE THAT NEFT AMOUNT AT BANK.	I HAVE NOT SEEN IMPS SERVICE CHARGES FOR MONEY TRANSFER FROM SBI TO POST OFFICE IPPB ACCOUNT. HOWEVER REVERSE ORDER OF TRANSFER MONEY FROM POST OFFICE TO SBI USING IMPS HAVING SERVICE CHARGES. HENCE TRANSFER MONEY FROM POST OFFICE IPPB MOBILE APPLICATION TO BANK USING NEFT WITHOUT USING MIS.

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