Whether you are tech-savvy or prefer traditional banking, you can open a Post Office FD either online via the e‑banking portal or app or offline by visiting your nearest post office. These rates. PAN now mandatory for most post office transactions. Form 97 replaces Form 60 for non-PAN holders. Form 121 merges Form 15G and 15H for TDS declarations. Post Office Rules 2026: PAN Now Mandatory.