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A Complete Guide to Opening Small Savings Schemes Online: MIS, SCSS, and MSSC

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  • Post published:October 30, 2023
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Last Updated on October 30, 2023 by Sumitha

How to Open MIS, SCSS, and MSSC Accounts Online?

The Department of Posts (DoP) has recently ushered in a new era of convenience for its customers by allowing them to open three important small savings schemes online through the Department of Post’s Internet Banking facility. Effective from October 20, 2023, individuals can now initiate the opening process for the Monthly Income Scheme (MIS), Senior Citizens Savings Scheme (SCSS), and Mahila Samman Savings Certificate (MSSC) without having to visit a physical post office. In this article, we will explore the step-by-step process of opening these accounts online and provide valuable insights on eligibility, features, and benefits.

Step 1: Accessing General Services

To begin the process of opening an MIS, SCSS, or MSSC account online, follow these simple steps:

  1. Log in to your DOP Internet Banking account.
  2. Navigate to the ‘General Services’ tab, which can be found in the main menu.

Step 2: Initiate a Service Request

Once you’re in the ‘General Services’ tab, proceed with the following steps:

  1. Click on ‘Service Requests’ from the menu.
  2. Select ‘New Requests’ and then click ‘OK.’

Step 3: Choose Your Account Type

After initiating a service request, the next steps are tailored to the specific account you want to open. You will have three options:

  • MIS Accounts – Open an MIS Account
  • SCSS Accounts – Open an SCSS Account
  • MSSC Accounts – Open an MSSC Account

Step 4: Deposit Amount

Upon selecting the account type, you will be prompted to enter the deposit amount. Ensure that the amount aligns with the prescribed rules of the chosen scheme.

Step 5: Select Your Debit Account

Choose the Debit Account, which should be a linked Post Office Savings Account.

Step 6: Transaction Remarks

If necessary, you can enter any transaction remarks for your reference.

Step 7: Agree to Terms and Conditions

Before proceeding, it’s essential to review and accept the terms and conditions of the chosen scheme. You can access these conditions by clicking on the provided link.

Step 8: Submit Online

Once you’ve completed all the required fields and agreed to the terms and conditions, click on ‘Submit online’ to initiate the account opening process.

Step 9: Additional Remarks

If any additional details are required, enter them in the ‘Remark’ section.

Step 10: Transaction Password

Input your transaction password to verify the authenticity of your request.

Step 11: Final Submission

Click on ‘Submit,’ and if all the conditions are met, your new account will be opened. You will also have the option to view, download, and print the Deposit Receipt.

Important Points to Note

  1. Your newly opened account will be visible in the Accounts summary after re-logging into Internet Banking, typically within a few minutes.
  2. Please note that you can open only one type of account. The account will be in the name of the DOP Internet Banking user, with the nominee(s) available in the linked Savings Account registered as the nominee for the newly opened account.
  3. SCSS accounts can only be opened by depositors aged 60 or above. Individuals below 60 years of age who are eligible for SCSS accounts must visit physical post offices to open an account.


The Department of Posts’ decision to introduce online account opening for the Monthly Income Scheme (MIS), Senior Citizens Savings Scheme (SCSS), and Mahila Samman Savings Certificate (MSSC) brings greater convenience to customers. By following the outlined steps, you can easily initiate the process from the comfort of your home. Currently, the online option is available for opening these accounts, except for the Post Office Savings Account (POSA) and Sukanya Samriddhi Account (SSA). The Department of Posts continues to make strides in offering a more user-friendly and accessible banking experience.


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