Moving to a new city? Don’t leave your PPF behind—transfer it!
Want better service or a more convenient branch? Yes, your PPF can go with you.
Can a PPF Account Be Transferred? Everything You Must Know / PPF Account Transfer
Yes, a PPF (Public Provident Fund) account can be transferred. Whether you’re changing cities, switching banks, or just want to manage all your accounts under one roof, transferring your PPF account is both possible and practical.
Can a PPF Account Be Transferred Online?
No, currently, a PPF account transfer cannot be done entirely online. The process is mostly offline, although some banks allow you to initiate a request online.
Time Required for both Online and Offline
| Transfer Type | Approximate Time |
|---|---|
| Offline (Full process) | 15–30 working days |
| Initiated Online, Completed Offline | 10–20 working days |
Timeframes depend on coordination between the old and new institutions.
Will I Get Interest During the Transfer Process?
Yes, you will continue to earn interest during the transfer process, even for the days when the documents are being transferred.
PPF Account Transfer Form and Documents required for Different Banks & Post Offices / PPF Account Transfer Form
You’ll need to fill out a transfer request form at your existing bank/post office. The most common form is Form SB-10(b) for India Post and equivalent forms for banks.
Required Documents
- Original PPF Passbook
- Identity and address proof (PAN, Aadhaar)
- Nomination form
- Transfer request letter
Can a PPF Account Be Transferred from One Person to Another?
No, a PPF account cannot be transferred from one person to another, not even to a family member. An account in use by parents cannot be given to their child, nor be transferred to their spouse's name.You can close the existing PPF account (under specific rules) and open a new one.
Read Also - PPF Withdrawal Rules.
Transfer from One Branch to Another (Same Bank)
Yes, you can transfer your PPF account to the same bank, but to a different branch.
Why This May Be Needed
- You’ve moved to another city or state
- Better service or accessibility at another branch
Steps to Follow:
1) Visit your current branch.
2) Submit a transfer request with your passbook and ID proof.
3) Wait for a branch to forward documents.
4) The new branch activates the account.
Online or Offline?
Mostly offline
Time Taken - 7–15 working days
Examples -
| Bank | Transfer Process |
|---|---|
| SBI | Visit both branches and submit the manual form. |
| HDFC | Initiate request on NetBanking, visit branches for document handover |
| ICICI | Online form download, offline submission |
| PNB | Manual process at both branches |
| Axis | Request via customer service, offline handover |
Can we transfer a PPF account from one bank to another
Yes, transferring your PPF from one bank to another is possible.
Eligibility
Any PPF account holder with a valid reason (relocation, service dissatisfaction, etc.)Steps:
1) Request a transfer at the current bank.2) Submit documents like a Passbook, KYC, nomination form.
3) Receive transfer documents.
4) Submit them to the new bank.
5) The new account is opened with the same balance.
Read Also - How to Open a PPF Account Online: Step-by-Step Guide
Online or Offline?
Mostly offlineTime Taken - 15–30 days
Examples
| From Bank | To Bank | Special Notes |
|---|---|---|
| SBI | HDFC | HDFC may need new KYC and nomination |
| ICICI | Axis | Axis requests Form A & C for KYC |
| PNB | SBI | Manual processing in most cases |
From Bank to Post Office or Vice Versa
Yes, this transfer is possible.
Steps
Same as above, but use Form SB-10(b) for post offices
Documents
Passbook, KYC, ID Proof, Nomination Form
Time
15–30 working days
Online or Offline?
Entirely offline
Examples
| From | To | Notes |
|---|---|---|
| SBI | Post Office | Use Form SB-10(b), manual handover |
| Post Office | HDFC | Submit closure request + open new PPF |
Can I Check the PPF Account Transfer Status?
Yes, but only manually. To check it, follow these steps-
- Contact both the existing and new bank/post office.
- Use your application reference number.
- No online tracker is available as of now.
What If the Bank Delays?
- File a written complaint.
- Escalate to the bank’s nodal officer.
- Approach the RBI Banking Ombudsman if unresolved.
PPF account transfer is easy if you know the process and keep your documents ready. Though offline, it helps you keep your savings growing uninterrupted. Always check with both banks/post offices for the latest forms and updates.
Transferring your PPF account is not only allowed but also beneficial if you’re seeking better services or have relocated. Though mostly offline, the process is streamlined if you keep your documents ready.
FAQs
Can I transfer my PPF account online?
No, the full transfer process is not online. It must be done offline.
Will I lose any interest during the transfer?
No, your PPF continues earning interest throughout the transfer.
How long does a PPF transfer take?
Typically 15–30 working days.
Can I transfer my PPF to someone else?
No, PPF accounts are non-transferable between individuals.
What to do if the bank delays the transfer?
Escalate to the branch manager, nodal officer, or RBI Ombudsman.
Read Also - How to Maximize Tax Benefits with the Public Provident Fund (PPF)
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