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How to Check PPF Account Balance

Public Provident Fund (PPF) is one of the most popular long-term saving-scheme cum investment instrument introduced by the Central Government of India with a maturity term of 15 years. It is popular because it is safe in nature and has an ability to generate tax-free returns. A PPF account gives you flexibility in terms of the investment amount. You can start investing in PPF with as little as Rs. 500 every year and a maximum of Rs. 1,50,000. Though PPF has a lock-in period of 15 years, you have options to use your PPF balance and can also take up a loan against your PPF account.

Due to its long-term investment nature, it is important to keep a regular track of your PPF account. You can check your PPF account status online and offline.

Checking PPF Account Balance Online

You can check your PPF account balance online 24*7, and the service is very simple and efficient. It is important to note that online PPF services are available only for those whose PPF accounts are held with a bank. Follow the below-listed guidelines to check your PPF account balance online.

In order to check your PPF account balance online, you need to have your existing bank account linked with your PPF account.

  • Make sure you have internet banking activated for your linked bank account.
  • Log in through your internet banking user ID and password to check the details of your PPF account.
  • Once you are logged in, you can check your PPF account status and balance.
  • Moreover, you can also transfer funds into your PPF account, set up standing instructions for your PPF account, download your PPF account statement, submit PPF loan application and so on.

The online services and facilities offered vary from one bank to another, and it depends on the online portal of the bank. If you are not using internet banking facility yet, it is advisable to register for the same. Your bank will provide a username and password to start. Using net banking facility, you can quickly check your PPF account status, balance, account statement, transfer funds into your account, pay bills and apply for loans in no time. It is not only convenient but also a time-saving method to access your PPF account online.

Checking PPF Account Balance Offline

You can check your PPF account balance offline through bank and post office. Checking PPF account balance at bank

You can simply visit the nearest branch of your bank and check your PPF account status. However, there are a few things that need to be taken care of:

  • When you open a PPF account with a bank, it provides you with a passbook. The passbook contains details of your PPF account such as PPF account number, bank branch details, PPF account balance, transactions in your PPF account, etc.
  • You can get your PPF account passbook updated periodically by visiting the nearest bank branch.
  • Once you update the passbook, it will contain details of all the transactions and your current PPF account balance. Many banks have started automated passbook update kiosks that operate 24*7 for the convenience of its customers.

Checking PPF Account Balance at Post Office

People from rural and remote areas of the country that have limited access to banking facilities, the post office has been a popular choice for them to open PPF accounts. At present in India, PPF accounts opened in post offices can only be accessed offline by visiting the post office. You can check your PPF account balance offline using the following method:

  • When you open a PPF account at the post office, you are given a PPF account passbook.
  • The passbook contains details such as your PPF account number, transactions made in your account, the current balance in your PPF account, etc.
  • You need to update your passbook by visiting the nearest post office in order to check your PPF account balance offline.

FAQs on How to check PPF status Online

Can I deposit cash in PPF account?

Yes, you can deposit cash into your PPF account through an offline method. In order to deposit cash in your PPF account, you need to fill in a pay-in slip with details such as PPF account number, PPF account branch, deposit amount, etc.

Can I transfer money online from ICICI Bank a/c to PPF account?

Yes, you can transfer money online from ICICI bank a/c to your PPF account. In order to do so, fill in an online form for PPF account under my account section. You can transfer funds from your linked savings account to your PPF account.

Can I transfer money to PPF account online?

Yes, you can transfer money to your PPF account online by linking your saving bank account with PPF account.

Can I transfer money to PPF account through BHIM app?

Yes. All you have to do is, log in to your BHIM app, fill up details such as account number, IFSC code and beneficiary name.

Can I transfer PPF account to another bank?

Yes. PPF accounts can be transferred from authorised bank or post office to another. A transferred PPF account will be considered as a continuing account.

Can PPF account be closed before 15 years?

No one cannot close the PPF a/c before the maturity date of 15 years. However, your PPF account must have completed five years in order to withdraw funds from it.

Can PPF be withdrawn?

Yes, it is possible to withdraw up to 50% of the PPF account balance after completion of 5 years.

Can we withdraw PPF money online?

You can transfer and withdraw PPF money online from your linked saving bank account.

How can I check my PF balance through a missed call?

You can check your PF balance by giving a missed call on 011 229 01 406. You need to have a valid UAN number. You will receive a SMS that will contain your PF number, name, age and your PF balance.

How can I check my EPF balance through PAN number?

Follow the below mentioned steps to check PF balance through PAN number:

  • Step 1: Visit the EPFO website
  • Step 2: Click on “Our Services” and choose “For Employees" option from the drop-down.
  • Step 3: Click on “Member passbook” option.
  • Step 4: Type your PAN and click on the "Submit" button to view your PF balance.

How can I check my EPF balance through SMS?

Send a SMS “EPFOHO UAN ENG” to 7738299899 to receive the details of your PF balance.

How can I check my EPF balance with UAN number?

To check your PF balance with UAN, you need to link your PF account with UAN. Send an SMS to 7738299899 to check the latest activity and balance in your PF account.

How can I check my EPF balance?

You can check your PF balance online by logging in to mobile banking else; you can check the same offline by visiting the nearest bank branch or post office.

How can I check my EPF transfer eligibility?

Below are the steps to check your PF transfer eligibility:

  • Step 1: Visit www.epfindia.gov.in
  • Step 2: Click on “Online transfer claim portal” under “Employees” category.
  • Step 3: Click on “Check eligibility for filing online transfer claim”.
  • Step 4: Enter details about current and previous employer.

How can I check my PPF balance in ICICI Bank?

  • Step 1: Visit ICICI Bank’s online portal and Fill online form for PPF account.
  • Step 2: View your PPF account under “My accounts” section.
  • Step 3: You can view and print a mini statement of your PPF account.

How can I transfer money from ICICI to PPF account?

  • Step 1: Visit ICICI Bank’s online portal and Fill online form for PPF account.
  • Step 2: View your PPF account under “My accounts” section.
  • Step 3: Transfer funds from your linked savings bank account.
  • Step 4: You can view and print a mini statement of your PPF account.

How does a PPF account work?

A PPF account is a saving instrument designed by the Government of India with a term of 15 years. It is a tax-free investment option where employees can invest regularly during their employment tenure. You are eligible to withdraw funds from your PPF account after completion of five years. On maturity, you may either withdraw an entire amount or can continue your subscription for another five years.

How many times can we deposit money in PPF account?

You can deposit more than two times a month; however, you cannot deposit more than 12 times in a year.

How is PPF interest calculated?

The interest rate applicable to the PF account is calculated and declared by the government every quarter.

Is it safe to open a PPF account in Icici Bank?

Yes. Opening a PPF account in any authorised bank is safe.

Is PPF interest rate same for all banks?

Yes. PPF interest rate is declared by the central government of India and is the same for all banks.

What is the interest rate for PPF in SBI?

Currently, SBI offers an interest rate of 8% for PPF account holders.

What is the interest rate of PPF in ICICI Bank?

Interest rate of PPF in ICICI Bank is 8% as applicable from January 1st 2019.

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

Minimum lock-in period for PPF account is 5 years.