Check PPF Account Balance Online & Offline

Check your PPF balance via bank net banking or mobile apps, missed call services, visiting the bank/post office, or logging in to the EPFO website
OPEN FD
Check PPF Account Balance
OPEN FD
4 mins
21-January-2026

The Public Provident Fund (PPF) is one of India’s most popular long-term savings options, offering guaranteed returns and tax benefits. But simply opening an account isn’t enough—you need to monitor your balance regularly. Checking your PPF balance not only gives you a sense of financial control but also helps you make smarter decisions.

If you want the same safety as PPF but with more flexibility, a Bajaj Finance Fixed Deposit offers attractive returns up to 7.30% p.a. for senior citizens and 6.95% p.a. for regular investors. Open FD.

What is PPF balance?

PPF balance refers to the total amount accumulated in a Public Provident Fund (PPF) account, including yearly contributions and interest earned. The PPF balance helps account holders track their savings progress and plan long-term financial goals like retirement or education. You can check your PPF balance online or by visiting the bank/post office where the account is held. Regularly monitoring your PPF balance ensures better investment planning and timely contributions.

Want short- to medium-term returns along with long-term investments like PPF? A Bajaj Finance FD gives you the advantage of steady growth with AAA/STABLE safety ratings by CRISIL and ICRA. Open FD.

Also Read: What is Provident Fund (PF)?

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

How to check PPF account balance offline?

If your PPF account is linked to a bank:

  • Activate internet banking.
  • Log in with your credentials.
  • Navigate to your PPF account section.
  • View your current balance and recent transactions.

Online access makes it convenient to track progress and adjust savings plans anytime.

How to check account balance for PPF offline?

If you prefer branch banking:

  • Visit your bank and update your PPF passbook.
  • Your passbook reflects the latest contributions, accrued interest, and balance.
  • Many banks now have self-service kiosks for instant updates.

How to check PPF account balance through the post office?

If your PPF account is with a post office:

  • Update your PPF passbook at the respective branch.
  • Your updated passbook will display both the current balance and transaction history.

If branch visits feel inconvenient, consider Bajaj Finance FD. With a 100% digital process, you can invest and track returns online without leaving home. Check latest rates.

Other Ways to Check Your PPF Account Balance

Apart from visiting a bank branch or using internet banking, there are a few alternative ways to track your PPF account balance. Many banks provide mobile banking applications that allow account holders to view PPF details after logging in with registered credentials. Once logged in, the PPF account balance is usually visible under deposits or investment sections.

Some banks also offer balance enquiry services through missed calls or SMS sent from the registered mobile number. These services provide quick access to account information without requiring internet access, making it convenient for users to stay updated on their PPF balance.

Important reasons to check your PPF balance

  • Track investment growth over time.
  • Verify accrued interest.
  • Plan partial withdrawals or maturity proceeds.
  • Assess eligibility for loans against your PPF.
  • Detect unauthorized transactions.
  • Maintain financial discipline and peace of mind.

Pair your PPF with a Bajaj Finance FD to ensure steady, risk-free income that complements your retirement or life goals. Invest now in a Bajaj Finance FD and earn up to 7.30% p.a. returns.

Also Read: How to withdraw PF amount online

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Recommended

Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Age below 60

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Minor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - HUF

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
6.95% p.a.
Open FD

What are the options available to individuals on PPF’s maturity?

  1. Withdraw Entire Balance – Take out the principal and tax-free interest.

  2. Extend Without Contributions – Continue for 5 years, letting your corpus grow passively.

  3. Extend With Contributions – Contribute further for another 5 years, earning more compounded interest.

How to build a good corpus in PPF account?

  • Contribute consistently.

  • Allow compounding to work by avoiding early withdrawals.

  • Stick with the 15-year term or extend further.

  • Reinvest earnings and leverage tax exemptions under the EEE model.

  • Monitor PPF statements and interest rate changes regularly.

Alongside your PPF, you can diversify with Bajaj Finance FD. With a minimum deposit of just Rs. 15,000, it is easy to build parallel savings for emergencies or near-term goals. Open FD.

Conclusion

Checking your PPF account balance is a small but powerful habit—it keeps you informed, helps you plan withdrawals, ensures account security, and strengthens financial discipline. PPF is excellent for long-term savings, but pairing it with a Bajaj Finance Fixed Deposit gives you both stability and flexibility. With assured returns, high safety ratings, and flexible tenures, Bajaj Finance FD is the perfect complement to your PPF savings strategy. Check latest FD rates.

Calculate your expected investment returns with the help of our investment calculators.

Investment Calculator

Fixed Deposit Calculator

PF Calculator

PPF Calculator

RD Calculator

Gratuity Calculator

Sukanya Samriddhi Yojana Calculator

Frequently Asked Questions

Can I check PPF balance through an SMS?

Yes, just sign up for SMS banking with your bank and send a message from your registered mobile number to get your PPF balance.

Is it possible to avail a loan against the PPF account?

Yes, if you have a PPF account, you can get a loan of 25% of the balance at the end of the second year. This option is available from the third to the sixth year after opening the account.

Is it mandatory to submit the PAN number when opening a PPF account?

Yes, it is mandatory to submit your PAN number when opening a PPF account.

Can I transfer money to a PPF account online?

Yes, online transfers are permitted for PPF accounts. You can transfer funds from your bank account to your PPF account using electronic methods.

Can a PPF account be closed before 15 years?

While premature closure is not allowed before 15 years, certain conditions such as serious illness or higher education expenses may permit early withdrawal.

How can I check my PPF balance through UAN number?

You can check your PPF balance using your UAN by sending an SMS to 7738299899 from your registered mobile number. The format of the SMS should be: EPFOHO UAN (where UAN is your Universal Account Number).

Can PPF be withdrawn?

Yes, partial withdrawals are allowed from the 7th year onwards, subject to specific conditions and limits.

Can we withdraw PPF money online?

Online withdrawal facilities may vary among banks and post offices. Check with your financial institution for their specific online withdrawal options.

What is the minimum lock-in period for PPF accounts?

The minimum lock-in period for a PPF account is 15 years. However, partial withdrawals are allowed from the 7th year onwards.

How can I download my PPF statement online?

To download your PPF statement online, log in to your bank’s internet banking portal. Navigate to the PPF account section, select the appropriate time period, and choose the download or e-statement option in PDF format.

Is it important to check PPF balance?

Yes, regularly checking your PPF balance helps track contributions, interest earned, and account maturity timeline. It also ensures accuracy in transactions and aids in better financial planning, especially for long-term goals like retirement or education.

How to check PF number?

You can check your PF number through your salary slip, the EPFO member portal, or by logging in using your UAN. It is also available in your EPF passbook and can be retrieved by contacting your employer.

How to check PPF account balance?

To check your PPF account balance, log in to your bank’s internet banking platform or visit your bank/post office branch. Select the PPF account tab to view the current balance and recent transactions in your passbook or online dashboard.

What is the minimum investment required in Bajaj Finance FD?

You can start with just Rs. 15,000, making it easy to grow your savings alongside your PPF contributions. Open FD.

Show More Show Less

Videos on Fixed Deposit

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.