The biggest advantage for India Post, among the most enduring institutions set up by the British, is its huge network and customer base. Compared to roughly 1,00,000 commercial and rural bank branches in India, there are 1,55,000 post offices, a majority in rural and semi-urban areas. As a collector of small , it has experience in taking deposits â€” about Rs 6 lakh crore at last count â€” but not in lending. A for only would mean that the network of bank branches would more than double in one stroke.
source- CHQ webpage