Public Provident Fund (PPF) is one of India’s most trusted savings instruments — tax-free, safe, and backed by the government.

💬 But how do you open a PPF account online in 2025?
This guide explains the entire process with screenshots and tips.

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💡 Why Choose PPF?

• ✅ Tax-free interest (currently 7.1% p.a.)
• ✅ Section 80C deduction up to ₹1.5 lakh
• ✅ 15-year maturity with partial withdrawal option
• ✅ Safe and guaranteed by the Government of India

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🖥️ Banks That Offer PPF Account Opening Online (2025)

Most leading banks offer online PPF application via NetBanking or mobile apps:

• SBI
• HDFC Bank
• ICICI Bank
• Axis Bank
• Bank of Baroda
• Canara Bank
• Indian Bank

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🪜 Step-by-Step: How to Open PPF Account Online (SBI / HDFC)

✅ Step 1: Log in to your NetBanking

Use your bank’s internet banking portal or mobile app.

✅ Step 2: Go to “Open PPF Account” section

Usually under “Accounts > Open PPF” or “New Account > PPF.”

✅ Step 3: Choose Account Holder

• Self or minor
• Confirm KYC details like PAN, address

✅ Step 4: Enter Investment Details

• Initial deposit (minimum ₹500)
• Choose payment mode (netbanking/UPI)

✅ Step 5: Submit & Verify via OTP

• Done! Your PPF account number is generated instantly.

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📃 Documents Required

• PAN card
• Aadhaar (linked to your bank)
• Address proof (usually pre-filled)
• Mobile number for OTP

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💸 How to Deposit in PPF?

You can deposit monthly or yearly:

• Min: ₹500/year
• Max: ₹1.5 lakh/year
• Via UPI, Auto Debit, NetBanking

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📆 Track Your PPF Easily

Use your bank’s app or net banking to:

• View balance
• Download PPF passbook
• Make deposits
• Track interest

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🧠 Tips for PPF Investors

• Deposit before 5th of every month for full-month interest
• Use auto-debit for easy contributions
• Don’t exceed ₹1.5L/year – extra amount earns no interest

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🔁 Related Posts:

• PPF vs ELSS – Which Is Better for Tax Saving in 2025?
• What Is ELSS? Tax-Saving Mutual Funds Explained
• Best Tax Saving Tips for Salaried in India 2025
• SIP vs PPF – Which Should You Choose?

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💬 Final Thought

Opening a PPF account online in 2025 is super easy – and one of the best decisions for safe, long-term wealth building.

If you haven’t started yet… this is your sign to begin today!

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