Move PPF to Bank: 3 Steps, Zero Interest Loss

You can shift your PPF, Sukanya Samriddhi, or SCSS account from a Post Office to a bank without losing interest or continuity. The process costs just ₹100 plus GST and requires a few documents. Here's how to do it right.

Here's what happened: PPF, Sukanya Samriddhi (SSA), and SCSS account holders can officially transfer their accounts from Post Offices to scheduled commercial banks by submitting a transfer request at the originating Post Office.. The transfer fee is ₹100 plus applicable GST — a one-time charge; account continuity, original open date, lock-in period, and interest accrual are all fully preserved after the move.. Required documents typically include the original passbook, a KYC set (Aadhaar, PAN), a transfer request form available at the Post Office, and destination bank account details for credit linkage..

What you should do: Visit your nearest Post Office with your original passbook and KYC documents — submit the transfer request form there (not at the bank) to initiate the move.. Confirm with the destination bank branch beforehand that it is authorised to hold PPF, SSA, or SCSS accounts — not every branch of every bank accepts all three schemes.. After transfer is complete, update your new passbook details on the Income Tax portal (for PPF 80C claims) and link the bank account for SCSS interest credit to avoid payment disruptions..

Pro tip: Transfer your SSA account before your daughter turns 10 — after that, certain operational rules tighten and branch-level processing can get more complex.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.