How to Check PPF Account Balance in 2025
Public Provident Fund (PPF) is a popular government-backed savings scheme in India. It is a long-term investment with a 15-year lock-in period, offering tax-free returns and security for your money. Many Indians trust PPF because it helps build a secure financial future with risk-free earnings. Checking your PPF account balance regularly is important to keep track of your savings and plan your goals. You can easily check your PPF balance online, via SMS, missed call, or by visiting your bank branch or post office. This guide will explain how you can check your PPF balance in simple ways in 2025.
PPF Account Balance Check: What You Should Know
PPF is one of the best investment options for saving on tax and earning good interest. Currently, PPF offers compound interest of around 7.1% per year. To open a PPF account, you can invest a minimum of Rs. 500 and up to Rs. 1.5 lakh in a financial year. Since PPF is a long-term plan, it helps to check your balance often, like once a month. This helps you understand how much you have saved and the interest you’ve earned over time. Remember, you cannot withdraw the money before 5 years except in special cases, so checking your balance keeps you informed.
Know more about PPF E-Passbook Facility
Main Facts About PPF Balance Check
| Name | PPF Account Balance |
| Full Form | Public Provident Fund Balance |
| Who Can Check | PPF Account Holders |
| How to Check | Offline at Bank/Post Office, Online via Net Banking, SMS, Missed Call |
Why Should You Check Your PPF Balance Regularly?
- Helps you know the interest earned since the Finance Ministry changes the interest rate every three months.
- Tracks how the yearly credited interest adds to your account.
- Helps you estimate the total amount you will get after maturity.
- Shows how much you can partially withdraw after five years.
- Lets you access funds during emergencies by knowing your current balance.
- Shows eligibility to take loans against your PPF account in specific years.
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Different Ways to Check Your PPF Balance
- Offline balance check at your bank or post office branch
- Online balance check using net banking
- Checking balance via SMS or missed call service (if provided by your bank/post office)
How to Check Your PPF Balance Offline at a Bank
If you have a PPF account linked to a bank but do not use net banking, visit your bank branch to update your passbook for balance details. Here is the simple process:
- A passbook is issued when you open your PPF account.
- This passbook shows your account number, deposits, withdrawals, and current balance.
- Visit the bank regularly to get your passbook updated.
- The updated passbook shows your latest balance and all transactions.
Checking PPF Balance Online Through Net Banking
- Make sure your PPF account is linked with your savings bank account.
- Check that your bank provides net banking and that your account is set up for online access.
- Log in to your net banking account using your details.
- Go to the PPF account section to see your current balance.
- You can also download statements, set up standing instructions, and make online deposits to your PPF account.
Checking PPF Balance Through the Post Office
- PPF accounts can be opened at Sub Post Offices or Head Post Offices.
- To check your balance at the post office, you’ll need your PPF account number and establishment code.
- The staff will give you your updated PPF balance details.
Other Convenient Ways: SMS and Missed Call Services
Some banks and post offices offer SMS or missed call services for a quick PPF balance check without internet access. Simply send an SMS or give a missed call to the number provided by your bank or post office. You will get a message with your latest PPF account balance. Check with your bank or post office if they provide this service.
Keeping track of your PPF balance lets you manage your savings and plan your finances better. Whether you prefer visiting the branch, using online methods, or quick SMS/missed call services, there are easy ways to stay updated on your PPF account in 2025.