Mumbai, India | February 11, 2026
The Reserve Bank of India (RBI) has directed all public and private sector banks to make doorstep banking services mandatory and accessible for citizens aged 70 and above by March 31, 2026.
The move aims to reduce the need for elderly customers to visit bank branches, stand in long queues, or travel frequently for routine banking tasks.
What Services Will Be Available at Home?
Under the new directive, eligible senior citizens will be able to access multiple banking services from their homes.
Cash Withdrawal and Deposit
Banks must facilitate doorstep cash delivery and pickup services linked to customers’ bank accounts.
Cheque Book Delivery
Senior citizens can request new cheque books without visiting a branch.
Life Certificate (Jeevan Pramaan) Submission
For pensioners, this provision offers major relief. Customers can submit their digital life certificate from home through assisted verification.
KYC Updates
Bank officials will conduct document verification at the customer’s residence for KYC compliance.
Mandatory Implementation Across Banks
The RBI has clarified that this is not an advisory but a mandatory directive.
All banks—public and private—must align their systems to ensure that citizens aged 70 and above can access doorstep banking services within their respective PIN codes by March 31, 2026.
How to Avail the Service
Banks will be required to provide booking options through:
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Mobile banking applications
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Internet banking platforms
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Dedicated toll-free customer service numbers
While banks may levy a nominal service charge, the RBI has instructed that fees must remain reasonable and affordable.
Security and Fraud Prevention Measures
To prevent fraud, the RBI has mandated strict safety protocols, including:
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OTP-based verification before service execution
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Verified employee identification procedures
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Transparent service confirmation processes
Customers are advised to verify official communication from their bank before allowing entry to any representative.
Why This Matters
The directive is expected to significantly benefit senior citizens, particularly those who are not fully comfortable with digital banking platforms.
By expanding access to doorstep services, the RBI aims to strengthen financial inclusion and reduce inconvenience for elderly customers across India.
Banks are expected to release detailed operational guidelines in the coming months.
