How To Check PPF Account Balance Online?
Updated: 17-01-2026 at 3:30 PM
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The Public Provident Fund (PPF) is a long-term savings scheme introduced by the government of India to encourage and imbibe the saving habit in Indian citizens. One of the functions related to one’s PPF account is checking its balance. Checking the account balance regularly in fixed intervals helps people stay informed about the progress of the account, interest credits, and its overall growth.
Public Provident Fund account holders can check their account balances through various ways and through various platforms, online and offline, which makes the process extremely easy and convenient for them. This is not only a formality but a way of providing as much control to people over their financial records as possible.
Read the article to learn more about the Public Provident Fund, ranging from its meaning to various ways of checking the balance and understanding its importance of the same.
Overview
The table below summarises some key details about the PPF balance online process that one should know.
| Name of the account | Public Provident Fund |
|---|---|
| Function concerning | PPF balance check |
| PPF interest rates | Currently, the PPF interest rate is 7.1% |
| Mode of PPF balance check | PPF balance check online and offline |
Read More: Non-Withdrawal Of Money Process From PPF Account After Maturity
What Is PPF Balance?
Public Provident Fund (PPF) is a long-term investment scheme that is backed by the government and targets saving through small savings while offering tax incentives along with riskless returns. It is fit for those who want to maintain steady investment returns and diversify their investment portfolio.
One of the functions related to one’s Public Provident Fund account is checking its balance, which simply means the total amount of money in one’s PPF account at any given point. The balance comprises three things: principal contribution, annual interest, and interest added to previous interest. The PPF balance check is an important function that helps people plan accordingly for the future or for carrying out other financial transactions.
How To Check PPF Balance Online?
All PPF holders are advised to check the monthly balance of their respective accounts every month without fail. Individuals can do the PPF account balance check through various platforms, online and offline. Both processes are mentioned below in detail for one’s reference.
How To Check PPF Account Balance Online?
Step 1: Please visit the official website or application of your bank.
Step 2: Log in to the portal using your internet banking credentials.
Step 3: As soon as you log in, your PPF account balance will be displayed on the screen.
Please note that one can do other functions related to one’s Public Provident Fund account as well, like transferring funds to the PPF account, downloading the account statement, viewing the PPF balance passbook online, and applying for a PPF loan.
Offline Procedure
Step 1: Please visit the nearest branch of your bank and request that the officials assist you in checking the balance of your Public Provident Fund account.
Step 2: Take your passbook with you and give it to the officials for updating. Some banks also have automated machines, through which people can update their passbooks independently without waiting in line.
Step 3: After updating, the passbook will show all the recent transactions along with the current balance of one’s Public Provident Fund account.
Also Read: Need Money Now? How to Withdraw COVID-19 Advances from Your EPF
How To Check PPF Balance With State Bank Of India?
Step 1: Please visit the official website of the State Bank of India (SBI).
Step 2: Click on ‘Personal Banking and then log in to the portal using your internet banking credentials.
Step 3: Navigate to the ‘PPF account’ option and then click on the ‘Click here for balance’ option to view the balance of one’s Public Provident Fund account.
Individuals can check and view other details as well, related to the Public Provident Fund account, such as old, closed, matured, or inactive accounts.
How To Check PPF Balance Through The Post Office?
Please note that if you opened your Public Provident Fund account through the Post Office, you need to visit the Post Office to update the passbook. The process is usually the same; after opening a PPF account, post offices generally provide a passbook to the PPF account holders, which comprises some important details, such as account number, debit or credit details, etc.
In case one wants to do a Public Provident Fund balance check online, they can do so only with the help of the establishment code. For example, if your PF account number is KR/KK/126B/496, then the establishment code will be 126, and the establishment extension will be B.
Other Ways Of Checking One’s PPF Account Balance
There are several other methods of checking the balance of one’s Public Provident Fund account using both online and offline platforms. Both processes are as follows:
1. Through SBI’s YONO App
Step 1: Download the State Bank of India’s YONO application. It is available for both Android and iOS operating systems.
Step 2: Log in to the PPF balance mobile app using your internet banking credentials and mPIN.
Step 3: Click on ‘My Deposits’ and then proceed to view the check PPF balance net banking.
2. Through SMS
PPF account holders can also check their respective account balances by sending an SMS ‘BAL’ to 9223766666, or else you can give a missed call on the same number too.
Why Is It Important To Check The PPF Account’s Balance?
Numerous reasons signify the importance of checking the balance of one’s Public Provident Fund account. Some of the major reasons are laid down below for one’s better understanding:
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Regularly checking the balance of one’s Public Provident Fund account helps people in tracking the overall growth of their savings account and plan accordingly for their future financial activities, like education, marriages, etc.
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The interest credited on one’s PPF account is deposited annually. i.e., at the end of every financial year. Through regular checking, one can verify the exact amount of interest earned on the principal amount and avoid any and all kinds of discrepancies.
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Partial withdrawals or loans against one’s Public Provident Fund can only be taken out after a specific number of years. When one regularly checks the balance of their PPF accounts, they can make informed decisions about the money in their accounts without disrupting the long-term growth of their savings accounts.
Read More: How To Withdraw Your PF Balance Easily?
Conclusion
Public Provident Fund is a savings scheme introduced by the government of India that people can invest in. It is a long-term savings option that is completely safe and away from risk. There are several functions related to one’s PPF account, and one of the functions is checking the PPF balance.
Checking one’s PPF account balance is not simply a function provided to the people, but a crucial action that can help people plan for their financial futures. Therefore, we advise you to keep checking your PPF balance every month and remain aware of the contributions and interest accrued on it.
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