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PPF Matures: Explore Your Options After 15 Years
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Moneycontrol•04-10-2026, 10:15
PPF Matures: Explore Your Options After 15 Years
- •Upon PPF maturity after 15 years, account holders have three main options: withdraw the entire balance, continue the account without fresh deposits, or extend it for another five-year block with continued contributions.
- •The decision should align with your financial needs, such as funding a house, child's education, or building a cash reserve, but there's no obligation to withdraw immediately.
- •If you don't need the money, you can leave the matured balance in the PPF account to continue earning 7.1% annual interest, with the flexibility to make one withdrawal per financial year.
- •To continue investing in the same PPF account, you must extend it for a five-year block by submitting Form 4 within one year of maturity, allowing further deposits within annual limits.
- •Consider your existing investments and upcoming expenses; maturity offers flexibility to either withdraw for immediate needs, keep the corpus invested, or continue contributions for long-term, tax-efficient savings.
Key Questions Answered
When your PPF account completes 15 years, you can close the account and withdraw the full balance, continue the account without making fresh deposits while earning interest, or extend the account for another five-year block while continuing contributions.
Yes, you can leave the matured balance in the PPF account without adding more money, and it will continue to earn interest at the applicable scheme rate. Additionally, you are allowed to make one withdrawal in each financial year from this balance.
If you want to continue investing and making deposits in the same PPF account, you must exercise the extension option within one year from the date of maturity. This is done by submitting the prescribed Form 4 under the PPF Scheme, 2019.
