The Public Provident Fund (PPF) is a safe, long-term savings scheme backed by the Government of India. Since it has a lock-in of 15 years, investors often want to check their account balance, interest earned, and deposits made. You can check your PPF balance both online and offline, depending on whether your account is with a bank or the post office.
How to Check PPF Balance Offline
If you don’t use internet banking, you can still check your PPF balance easily.
1. By Passbook Update
- Visit the bank or post office branch.
- Get your PPF passbook updated.
- It shows deposits, interest credited, and the latest balance.
2. At Branch Counter
- Submit a request at the bank or post office counter.
- Staff will provide your current PPF balance.
3. Account Statements
- Some banks send annual or half-yearly PPF statements by post or email.
- These show balance and interest updates.
How to Check PPF Balance Online
Most leading banks and India Post offer online facilities to track your PPF account.
1. State Bank of India (SBI)
- Log in to SBI Net Banking.
- Click on ‘Accounts’ → ‘PPF Accounts’.
- Select your PPF account number.
- You can see balance, interest earned, and even download e-statements.
2. HDFC Bank
- Log in to HDFC Net Banking.
- Go to Enquiries → PPF Account.
- Your balance and transaction history will appear.
3. ICICI Bank
- Open ICICI Internet Banking / iMobile App.
- Navigate to Accounts → PPF Account.
- View balance, deposits, and maturity details.
4. Post Office (India Post)
- Register your PPF account on the India Post Internet Banking portal.
- After login, go to ‘Accounts → PPF Account’.
- Check your balance and download statements.
Useful Tips for Checking PPF Balance
- Always deposit before the 5th of the month to maximize interest. Checking your balance regularly helps ensure this rule is followed.
- Link your PPF account with net banking at the time of opening for easier online access.
- Cross-check annual interest credit (usually done at the end of March) by updating your passbook or checking online.
- If you have multiple PPF accounts (self + minor), link all to net banking for easy monitoring.
- For maturity or extension cases, keep checking balance to confirm interest credit after extension.
FAQs on Checking PPF Balance
Q1. How can I check PPF balance in SBI without visiting branch?
Through SBI Net Banking or YONO mobile app under the ‘PPF Account’ section.
Q2. Can I check Post Office PPF balance online?
Yes, if your PPF is linked with India Post Internet Banking. Otherwise, you must update your passbook.
Q3. When is PPF interest credited?
Interest is calculated monthly but credited annually at the end of March.
Q4. What if my PPF balance does not match deposits?
Update your passbook or download the statement. Sometimes interest posting happens at year-end, so the balance may look less mid-year.
Q5. How do I check maturity value of PPF?
Most banks show projected maturity online. Otherwise, update your passbook or use an online PPF calculator to estimate maturity.
Checking your PPF balance regularly ensures that your deposits, interest, and maturity value are correct.
- If you prefer convenience, use net banking or mobile apps.
- If you are not comfortable with online methods, get your passbook updated at the bank or post office.
Regular balance checks help you plan deposits better and avoid last-minute surprises when your PPF matures.
