Documents Required to Open PPF Account in India

A PPF (Public Provident Fund) account is a long-term investment option offered by the Government of India. It is an efficient tax-saving investment option that helps you build wealth for financial stability in the future. A PPF scheme is available to all resident Indian citizens. Opening a Public Provident Fund (PPF) account in India requires specific documentation.

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This article outlines the essential documents required to open your PPF account, ensuring a smooth and hassle-free process.

Documents Required to Open a PPF Account

The following documents are required to open a Public Provident Fund (PPF) account in India:

  • Identity Proof (Any one): Aadhaar card, PAN card, Voter ID card, Passport, or Driving license.

  • Address Proof (Any one): Bank statement, electricity bill, telephone bill, or property tax receipt.

  • Date of Birth Proof (Any one): Birth certificate, school leaving certificate, or Passport.

  • Passport Size Photograph: Two copies.

  • Nomination Form: This form is available at the bank branch or post office where you are opening your PPF account. You will need to fill it out, sign it, and nominate one or more persons to receive your PPF account balance in case of your death.

The following table shows a simplified and more concise representation of the KYC document requirements for opening a PPF account and their specific purposes:

List of Documents ID Proof Address Proof Signature Proof
Aadhaar Card Yes Yes No
PAN Card Yes No Yes
Driving License Yes Yes Yes
Passport Yes Yes Yes
Voter ID Card Yes Yes No
Govt. Department/Police/Defence ID Card Yes No Yes
Credit/Debit Card with Photograph Yes No Yes
Employer’s Letter No Yes No
Recent Utility Bills (e.g., phone/electricity/water) No Yes No
Stamped and Registered Home Lease Agreement No Yes No
Bank Passbook/Credit Card Statement No Yes No
Ration Card No Yes No

*This is a list of common documents required to submit for a new PPF account opening. Please note that specific requirements may vary as per the authorised PPF institution.

Aadhar and PAN Number Mandatory for PPF Account Under New Government Rules

The Ministry of Finance under the Government of India notified on March 31, 2023, to make it compulsory to submit PAN Card and Aadhar Card copies for opening a PPF account.

Critical details about the new mandate by the Finance Ministry:

  1. Requirements for a New PPF Account:

    • Aadhaar number and PAN are mandatory for PPF account opening.

    • If an Aadhaar card is not available, provide proof of application of enrolment or enrolment ID for the Aadhar card.

    • Aadhaar number must be furnished within 6 months of opening the account.

  2. Updates for the Existing PPF Account:

    • Submit your Aadhaar number within 6 months from April 1, 2023.

    • Submit PAN within 2 months from the day of fulfilling the following situations:

      • Balance is exceeding Rs. 50,000 at any point in time.

      • Total credits in the PPF account are over Rs. 1 lakh in a financial year.

      • Total withdrawals/transfers are exceeding Rs. 10,000 in a month.


    • The deadline to link your Aadhaar number to your PPF account is 6 months. Also, a PPF account can become in-operational if a PAN is not submitted within 2 months. If you fail to do so, your PPF account will be frozen. 

    • Account reactivation is possible upon submission of Aadhaar and/or PAN to the accounts office.

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Eligibility Criteria to Open a PPF Account

The eligibility criteria to open a PPF account are as follows:

  • Indian Citizenship: Only Indian citizens can open a PPF account.

  • Residence: The account holder must be a resident of India.

  • Age: Minors can open a PPF account through their guardian. There is no upper age limit for opening a PPF account.


  • Non-resident Indians (NRIs) and Hindu Undivided Families (HUFs) are not eligible to open a PPF account.

  • However, NRIs can hold a PPF account if they open it as an Indian resident and prior to becoming an NRI.

  • An individual can have only one PPF account in their own name.

  • Joint PPF accounts are not allowed.

Benefits of PPF Account

The following list shows some of the benefits of a PPF account opening in India:

  1. Tax Exemption:

    • Contributions up to Rs. 1.5 lakhs per year are tax-exempt (under Section 80C)

    • Interest earned is tax-exempt

    • Tax exemption on maturity proceeds

    • You can use a PPF Calculator to estimate your returns and savings from the investments in a PPF Account.

  2. Easy Account Handling:

    • You can open a PPF account at a bank branch or post office.

    • Account transfer is possible between the post office and the bank anywhere in the country.

  3. Simple Maintenance:

    • Minimum annual contribution: Rs. 500.

    • Maximum annual contribution: Rs. 1.5 lakhs.

  4. Transfer Process:

    • You can easily transfer the account to a different location.

    • The necessary documentation for PPF Account transfer is a transfer order and a written request.


To open a PPF (Public Provident Fund) account in India, the essential documents required include proof of identity, proof of address, and a passport-sized photograph. These documents ensure compliance with the necessary regulations and facilitate an easy and tension-free PPF account opening process.


  • What documents are needed for the PPF account opening?

    To open a Public Provident Fund (PPF) account, you will need the following documents:
    • Proof of Identity: PAN card, Aadhaar card, Passport, or voter ID

    • Proof of Address: Aadhaar card, Passport, utility bills, or rental agreement

    • Passport-Size Photographs

    • Account Opening Form

    • Nominee Details

  • In which bank should I open a PPF account online?

    There are many banks that offer online PPF account opening, but some of the most popular and trusted options include:
    • State Bank of India (SBI)

    • Punjab National Bank (PNB)

    • HDFC Bank

    • ICICI Bank

    • Axis Bank

    • Kotak Mahindra Bank

  • What are the requirements for opening a PPF account in SBI?

    The requirements for opening a PPF account in SBI are as follows:
    • Eligibility:

      • You must be an Indian resident.

      • There is no maximum age limit.

      • Hindu Undivided Families (HUFs) and Non-Resident Indians (NRIs) cannot open a PPF account.

      • Only one PPF account can be opened per person.

    • Documents required:

      • PPF account opening form (Form A)

      • Nomination form (Form E/Form F)

      • Passport-size photograph

      • PAN card

      • Address proof and ID proof as per KYC norms

  • How to open a PPF account?

    You can either open a PPF account online or visit a post office or a bank branch. The following are the steps involved:
    • Visit the website of your bank or the Indian Postal Service.

    • Click on the link to open a PPF account.

    • Fill up the online application form and attach the required scanned documents.

    • Make the initial deposit through net banking or debit/credit card.

    • You will receive a confirmation email or SMS once your PPF account is opened.

  • Is PAN compulsory for PPF?

    Yes, PAN is compulsory for PPF accounts. The Government of India made PAN and Aadhaar mandatory for all small savings schemes, including PPF, on April 1, 2023.

    Existing PPF account holders who have not yet submitted their PAN details need to do so by September 30, 2023. New PPF account holders must submit their PAN details at the time of opening the account.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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