How to Check PPF Account Balance Online & Offline in 2025

Check PPF Balance

Although we contribute to the PPF scheme every year, we don't make it a habit to check our PPF account balance often. Public Provident Fund, a government offered savings scheme, offers tax benefits and good returns on investments.

It is a long-term savings scheme, hence it is imperative that you check your PPF account balance on a monthly basis.

How to Check PPF Balance Online 

If you opened your PPF account through a bank's net banking service, you can easily check your PPF balance online: 

1. Step 1: Ensure your net banking service is active. 

1. Step 2: Log in to your PPF account using your internet banking credentials. 

1. Step 3: Once logged in, your current PPF balance will be displayed. 

Through internet banking, you can also transfer funds to your PPF account, set up standing instructions, download your account statement, and apply for a PPF loan. 

How to Check PPF Balance Offline 

If your bank provides a passbook for your PPF account, you can track your balance offline by updating it: 

1. Step 1: Visit your bank branch to update the passbook, which records your balance, account number, branch details, and all credits or debits. 

1. Step 2: Many banks offer automated passbook update machines for convenience, but you'll need to visit during operating hours. 

1. Step 3: After updating, your passbook will reflect all recent transactions and the outstanding balance. 

For PPF accounts opened through the Post Office, you'll need to visit the post office to update your passbook. 

Checking PPF Account Balance at Post Office

In the case of a post office, everything functions almost similarly, but here is some information that will help you to check PPF account balance online on the bank portal or get information on your PPF account at post office.

The following are the steps to check PPF account balance at Post Office: 

1. Post Office provides PPF account passbook after opening PPF account 
2. The passbook contains vital details such as account number, debit or credit details along with account balance 
3. Visit the Post Office to update the passbook and keep a track of the account transactions 

For Public Provident Fund balance online, you need  to have your establishment code, your PF account number and the information  displayed on the page. For example, if your PF number is KR/KK/126B/496 then the Establishment Code is 126 and the establishment extension is B.

Note: PPF accounts can be opened only at a head post office or sub post office where PPF facilities are available.

Checking PPF Account Balance at Bank

You can usually go to the bank branch closest to you to check the same using the account passbook. Have the passbook printed with the last few transactions to know the account balance. This is the traditional method of checking PPF account balance.

However, there are a few things that you need to ensure:

1. You will need to have a Savings Account in the same bank with which you own a PPF account.
2. You need to link your PPF account to your savings account in the bank to be able to check account details.
   

1. You also have to make sure that your savings account is accessible online. Hence, you need to get your net banking username and password from the bank.
2. In certain cases, you also need to acquire a PIN.
3. Some banks even allow you to link your PPF accounts to your savings bank in another bank account such as ICICI Bank PPF account.
4. You would also need to ensure that you have online access to your account as well the facility to transfer funds to your PPF account, from your savings account.

In case you go to the bank to gain access to your PPF account online or acquire the above requisites, you might have to fill out some PPF Forms or address a letter to the bank.

Here is the step-by-step guide to check your PPF account balance with State Bank of India (the procedure is the same for most banks):

1. Log in to the SBI PPF account portal using your username and password under the 'personal banking' tab.
2. Upon logging in, you can see your savings account and your PPF account on the dashboard.
3. Click on your PPF account to check for PPF balance. The balance amount will appear when you click on 'Click Here For Balance' tab.
4. You have the option to check the last 10 transactions made using your PPF account.
5. You can also view the details of old/closed/matured/inactive PPF accounts with the same bank by clicking on 'Click here to view the details of Matured/Closed Accounts'.
6. You can see balances of all the accounts by clicking on 'View All Balance'.

Other methods to check PPF account balance

The following are the methods to check PPF account balance other than online and offline mode

Here are the steps to check the PPF account balance through YONO application:

1. Download and install the app on your smartphone from the Android 'Play Store'.

1. Get access from the bank for mobile banking facility 

1. You will be given an mPIN to log in to the app. The username will be the same as your net banking username.  
2. Enter mPIN to login 
3. Set new password by entering the OTP received on registered mobile number 
4. Under ‘My Deposits’ check the PPF account details and balance 

1. Check PPF balance through missed call or SMS: Give a missed call to 9223766666 or send an SMS 'BAL' to the same number to get the balance.

Why is it important to check your PPF account balance

The following are the reasons for checking the PPF account balance: 

1. Checking account balance helps tracking the PPF account to find out the interest rate earned 
2. Checking account balance helps to determine the amount to be received after partial withdrawal 

1. Corpus earned after account maturity can be determined after monitoring account balance 
2. Helps determining the availability of collateral-free loan which depends upon the availability of fund 
3. Checking PPF account balance is important to determine the loan amount one can apply for 

Note: 

1. PPF interest changes every quarter and is credited at the end of every financial year 

1. Partial withdrawal is allowed after five years of investment in PPF 
2. Loan will be available to individual between third and sixth financial year 
3. The loan amount one can apply for is equivalent to the 25% of PPF balance in the second year 

Things Needed to Check PPF Balance 

The following are perquisites that should be considered to check the PPF balance either through online mode or via bank: 

1. It is recommended that the individual must have a PPF account and a savings account in the same bank. 
2. A PPF account should be linked to a savings account, to track the account details effortlessly. 

1. Make your savings account accessible online by using your net banking credentials to avail yourself of the online fund deposit facility. 
2. You may also need to obtain a PIN to access the PPF account in some cases. 
   

What are the Options Available on PPF Maturity? 

PPF members can avail the following options after maturity of PPF: 

1. Entire accumulated amount can be withdrawn with interest 
2. PPF account tenure can be extending without any further deposit made to the account 

1. Extending the tenure of PPF account by contributing the remaining balance after withdrawal once in every financial year within the tenure. 

Note: The third option is mentioned under PPF rules 2025, and individuals can avail this option by submitting Form H to the bank with which they have their PPF account. Within this extended tenure, an individual can withdraw 60% of the existing PF amount. 

How to build a good corpus in PPF account? 

The following are the methods to enhance your PPF account corpus: 

1. Making deposit at the beginning of the financial year to earn maximum interest 

1. Making regular investments to the PPF account by turning on the auto-debit facility of the bank 

Reasons To Check PPF Account Balance 

When people regularly check the balance of their PPF, they are given several important pieces of information: 

1. Keep a track of balance in the PPF accounts which help the individuals to know about the interest earned on their investments each year. The PPF interest rate is decided by the Finance Ministry which changes quarterly, each year. Hence, the interest earned on the PPF deposits will not remain unchanged during the tenure of investment. The interest earned on the deposits will be credited to the PPF account after each financial year. 
2. Checking the balance on a periodical basis allow individuals to gauge the corpus they will acquire after the maturity of the account. 

1. Individuals who have PPF account can also avail collateral free loan  against the total balance to get coverage of any financial liability. This loan is provided to the account holders between the third and fifth year tenure. Individuals who are eligible to get an amount equal to 25% of the total balance in the second year. 
2. PPF accounts help the account holders to partially withdraw the funds after fifth year of investment. Hence, if an individuals wish to withdraw funds from the PPF partially after the required tenure, they will have an idea about how much they can withdraw by tracking the account balance.