Welcome to Postal RMS Bank

Secure, modern, and convenient banking services for Postal and RMS Employees since 1928.

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13,300+Members

₹11 LakhMax M.C.L.

9.90%Loan Interest

4.00%Savings p.a.

DICGC Insured Serving since 1928 RBI-regulated Urban Co-op Bank

About The Bank

Serving Postal and RMS Employees with trust and integrity since 1928

The Postal and RMS Employees Coop Bank Limited, Ambala Cantt was initially set up in way back in 1928 at Ambala with only 15 members of Department of Posts and Telegraph as a Coop Society to cater the financial needs of the employees by collecting money from the employees who is having the surplus funds and extending the loan to those who are in need of money with sole social object without profit motive.

As the passage of time, the society was shifted to Lahore (Now in Pakistan) and was again transferred to Ambala after partition in 1947. The Coop Society converted into a Urban Coop Bank in the year 1982.

After 1982, when the institution got the Banking License from Reserve Bank of India (Central Bank), the Bank has expanded its field to the General Public also by accepting the deposits from the Public. The Bank has got the facilities as like other nationalized Banks.

We are the one of the leading Urban Cooperative Bank in Haryana State and having the Highest Deposit and Advances base in the Haryana State among the Urban Coop Banks operating in India.

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Rates at a Glance

Competitive rates for members and the public

Product	Rate
Savings Account	4.00% p.a.
FD/RD 15-45 days	3.00% p.a.
FD 46-90 days	5.50% p.a.
FD 91-179 days	6.00% p.a.
FD 180 days to < 1 year	6.75% p.a.
FD 1 year up to 3 years	7.75% p.a.
FD above 3 years	7.25% p.a.
FD - Senior Citizens (all slabs)	+0.50% extra
Member Loan (M.C.L.)	9.90% p.a.

Deposit rates w.e.f. 01 July 2025; loan rate w.e.f. 01 June 2025. Subject to change. Please confirm at your branch.

View Full Rates & Charges

Our Services

Everything you need in one place

Membership

Join our community of over 13,300 members from Department of Post and Railways Mail Service. Minimum Ten shares (@ 50/-) required.

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Registration status is verified by the bank directly. Contact us to check yours.

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Downloads

Access forms, reports, and important documents from our document library.

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News & Updates

Latest announcements and notifications

📰

Rate Update

M.C.L. Increased to 11,00,000

01 June 2025

M.C.L. for Members increased to Rs. 11,00,000/- wef 01.06.2025. Interest on loan decreased to 9.90% p.a. on Day to Day Basis.

Please provide your Mobile Number for SMS Alerts.

Please update Aadhar and PAN in your accounts as per Govt. Instructions

📝

Rates

Higher Interest Rates on Fixed Deposits

Offering Higher rate of interest @ 7.75% for 1-3 years and 0.50% extra for Senior Citizens.

View Fixed Deposit Details

📱

App

Mobile Application Launched

Mobile application launched by the Bank for its Members/Depositors.

Download Mobile App

💳

Service

Service Charges Updated

Click here to know Service Charges for various services offered by the Bank. Also download the list of Directors in the board of the Bank.

Service Charges List of Directors

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Notice

List of Unclaimed Accounts / Deaf List

Click here to view the list of unclaimed accounts and dead list.

Download List

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Dividend

Dividend of 8% Recommended for FY 2025-26

03 September 2026

The Board has recommended a dividend of 8% (7% dividend + 1% additional dividend) on paid-up share capital for the year 2025-26. Final approval will be sought at the Annual General Body Meeting to be held on Sunday, 13 September 2026.

View Annual Report 2025-26

📅

AGM

Annual General Body Meeting Notice

Notice for Annual General Body Meeting. Interest on loan is @ 9.90% on day-to-day basis. Minimum Credit Limit is Rs 7 Lacs, maximum Rs 11 Lacs or 32 times basic pay whichever is lower.

AGM Notice Annual Report 2025-26

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Notice

CTS Amount Reduced

CTS Amount Rs 500/-. No attestation from office for CTS withdrawal is required. Only Loan amount of Member is insured from 01/10/2019.

Please update Aadhar and PAN in your accounts as per Govt. Instructions

📦

Facility

Installment Revision Facility

Installment revision facility has been started again. Members who wish to pay extra amount may also avail the facility of NEFT/RTGS or directly deposit the cash in to the Bank.

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