India Post

  • Established in Kolkata in 1727

  • Grown to more than 150,000 post offices in every region of India

  • 90% (139,222) of the post offices are located in rural areas

  • A strategic asset of the Government of India for financial inclusion


The situation in 2010

Over its many years of operation, the level of automation in India Post’s rural post offices significantly lagged India’s general banking standards. In 2008, Project Arrow was launched by India Post to upgrade the aesthetics and technology standards of its post offices to meet today’s expectations. Project Arrow set the stage for the core banking transformation project that was to follow, a project aimed at driving financial inclusion through the use of a modern CBS platform.


Financial inclusion has a long way to go.

In March of 2010:

  • India had a population of 1.2 billion in 2010

  • Roughly 800 million (70%) were living in the rural areas served by India Post

  • Postal bank maintained 88.6 million basic savings accounts and 225.3 million accounts

overall Clearly, India Post needed a new CBS platform that would unify its millions of accounts across the postal system, provide room for growth in the future, and extend modern digital banking services beyond the current limits of the urban and affluent customers of the banking system.


Infosys Finacle provided India Post with a technology platform that would

  • Enable post offices to play a larger role in the social-economic transformation

  • Scale-up and manage future growth

  • Agility to launch new products and services including digital banking

  • Enable customers to transact across the offices of India Post

  • Automate the banking operations

World’s largest core banking transformation covering 560+ million customers; 690+ million accounts

India Pos

The results

Single integrated system

Single Integrated system replaced 56 varied and soiled applications used in head office and in the field

Real time core system

India Post is the largest single financial institution in the world running on a real-time banking solution

Digital channels

New online and mobile banking applications were introduced in early 2017


Allowed to support a number of government-sponsored social welfare schemes

End-to-End automation

More efficient and effective operation of the existing banking services and paper based and manual work reduction


Grew deposits by more than 450 billion INR in 6 months


Improvement in manpower planning through improved and timely administrative services & accurate employee information


Easy and secure data storage and retrieval system

Inventory & management

Efficiencies in Inventory management and Procurement Instant and easy MIS to report and do analytical researches