How to Check PPF Balance Online and Offline

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

1. How can I check my PPF balance?

You can check your PPF balance in a few easy ways:

Through your bank’s net banking or mobile app
By updating and checking your PPF passbook
Through SMS or missed call service (if your bank offers it)

2. Can I check my PPF balance online?

Yes, if your PPF account is with a bank.

Log in to net banking
Go to the PPF account section
Your balance will be visible there
For post office PPF, online access may be limited.

3. How do I check my PPF balance at the post office?

You’ll need to:

Visit the post office where your PPF account is
Get your passbook updated
That’s the easiest way.

4. Do I need internet banking activated to check balance online?

Yes.

Your PPF account must be linked to your net banking
Once linked, balance checking becomes instant

5. Is there any charge for checking PPF balance?

No.

Checking your PPF balance is completely free
Whether online or through passbook updates

6. How often is PPF interest updated in the balance?

Interest is:

Calculated monthly
Credited to your account once a year, usually at the end of the financial year
So don’t worry if you don’t see interest added every month.

7. Can I check PPF balance using my Aadhaar or PAN?

No.

You need your account number or customer ID
Aadhaar or PAN alone won’t show the balance

8. Can I check my PPF balance through SMS?

Some banks allow this.

You send an SMS from your registered mobile number
You receive your balance details
Availability depends on the bank.

9. Why does my PPF balance sometimes not change for months?

That’s normal.

Interest is added only once a year
So the balance may look the same even though interest is accumulating internally

10. What’s the best way to regularly track my PPF balance?

Use net banking if available
Update your passbook at least once a year