• ANAND.M.B Asst professor at PESITM, Shivamogga


The Indian Postal Service, with 155,333 post office, is the most widely distributed post office system in the world. The global economic and financial crisis has further deteriorated the conditions in mail markets, with postal operators losing up to 20percent of their mail traffic during this two-year economic downturn, and forecasting losses of 30 percent over the next decade that could leave the industry with large excess capacities. India Post provides accessible and affordable service to   the people of India through its unparalleled network of post offices. Mails, POSB PLI, and Parcel are the mainstay of post offices with several new services like money transfer, EMO and distribution of mutual funds taken successfully in the last decade. Due to its   competitive advantage of geographical accessibility and its time tested accounting procedures, India post has also positioned itself as a reliable agency for the Government of India (in implementing its inclusive growth policies. To improve its service quality and operational efficiency, India post has introduce a centralized core banking solution with alternate delivery channels facilitating any time any where banking environment. This core banking environment will enable faster transfer of funds and easier withdrawals. The alternate delivery channels planned for service delivery are ATMs, Internet, Phone, SMS and Mobile Banking. This paper explore the growth and performance of Postal services and future opportunities in India.

Author Biography

ANAND.M.B, Asst professor at PESITM, Shivamogga

Asst Professor





ADB, (2007): Low-Income Households' Access to Financial Servicesâ€, International Experience, Measures for Improvement and the Future; Asian Development Bank.

Buckland, J., and B. Guenther (2005): 'There Are No Banks Here, Financial and Insurance Exclusion in Winnipeg’ North End', Social Sciences and Humanities Research Council of Canada (September)

Caskey, J. P., C. R. Duran, C. R. and T. M. Solo (2006): 'The Urban Unbanked in Role of Financial Inclusion for Inclusive Growth in India-Issues & Challenges 13 Mexico and the United States', World Bank Policy research Working Paper 3835.

H.M. Treasury, (2007): Financial Inclusion: the Way Forwardâ€, HM Treasury, UK,March.

Kempson, E., J. Caskey, C. Whyley and S. Collard (2000): In or Out?†London: Financial Services Authority Mohan, R. (2006): 'Agricultural Credit in India: Status, Issues and Future Agenda',Economic and Political Weekly (March), pp.1013-23.

Peachy, S. and A. Roe, (2004): Access to Finance - What Does it Mean and How Do Savings Bank Foster Access?â€, Brussels: World Savings Bank Institute.

Report of the Committee on Financial Inclusion in India (Chairman: C. Rangarajan) (2008), Government of India

Sen, Amartya, (2000): ‘Development as Freedom’, Anchor Books, New York, 2000.

World Bank (2008): Finance for All - Policies and Pitfalls in Expanding Accessâ€,World Bank, Washington

Kempson, E. (2006): Policy Level Response to Financial Exclusion in Developed Economies: Lessons for Developing Countriesâ€, Paper for Access to Finance: Building Inclusive Financial Systems, World Bank, Washington,May.



How to Cite

ANAND.M.B, D L, S., & RAMESH, H. H. (2013). PERFORMANCES OF INDIAN POSTAL SERVICES. Innovare Journal of Business Management, 1(2), 5–10. Retrieved from