Check PPF Account Balance Online & Offline

Check your PPF balance, log in to the official website or give a missed call to 9223766666 from the registered mobile number.
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Check PPF Account Balance
OPEN FD
4 mins
25 May 2025

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.

Reasons to check PPF account balance

  1. Monitor Savings Progress – Stay updated on how much you’ve saved and how close you are to your goals.
  2. Track Interest Earnings – Know how much interest has been credited and plan ahead.
  3. Plan Withdrawals – Since PPF has a 15-year lock-in, tracking balance helps prepare for timely withdrawals.

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 online?

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.

Why is it important to check your PPF account 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
 

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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.

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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.