The Public Provident Fund (PPF) has a maturity period of 15 years from the end of the financial year in which the account was opened. After the PPF account maturity, you have three options:
Example: If you opened a PPF in March 2010, it will mature in April 2025 (after 15 financial years). You can withdraw the full amount at that time.
| Option | Deposits Allowed | Interest | Withdrawals | Tax Benefit |
|---|---|---|---|---|
| Closure | No | No | Full amount at once | Tax-free |
| Extension with Contribution | Yes (₹500–₹1.5 lakh per year) | On balance + new deposits | 1 per year | Yes (80C) |
| Extension without Contribution | No | On balance only | 1 per year, flexible | No new benefit |
Only under partial withdrawal (after 7 years) or premature closure (after 5 years in special cases). Full withdrawal only after 15 years.
Yes, submit Form H if you want to continue with contributions. If you do nothing, the account is considered extended without contributions.
No, PPF has EEE status – investment, interest, and maturity are all tax-free.
Yes, extension is allowed in multiple 5-year blocks.
It will be automatically treated as extended without contribution, and the balance will keep earning interest.
When your PPF account matures after 15 years, you don’t have to withdraw immediately.
Either way, PPF remains one of the safest and most rewarding long-term investments in India.
The Public Provident Fund (PPF) has a maturity period of 15 years from the end of the financial year in which the account was opened. After the PPF account maturity, you have three options:
Example: If you opened a PPF in March 2010, it will mature in April 2025 (after 15 financial years). You can withdraw the full amount at that time.
| Option | Deposits Allowed | Interest | Withdrawals | Tax Benefit |
|---|---|---|---|---|
| Closure | No | No | Full amount at once | Tax-free |
| Extension with Contribution | Yes (₹500–₹1.5 lakh per year) | On balance + new deposits | 1 per year | Yes (80C) |
| Extension without Contribution | No | On balance only | 1 per year, flexible | No new benefit |
Only under partial withdrawal (after 7 years) or premature closure (after 5 years in special cases). Full withdrawal only after 15 years.
Yes, submit Form H if you want to continue with contributions. If you do nothing, the account is considered extended without contributions.
No, PPF has EEE status – investment, interest, and maturity are all tax-free.
Yes, extension is allowed in multiple 5-year blocks.
It will be automatically treated as extended without contribution, and the balance will keep earning interest.
When your PPF account matures after 15 years, you don’t have to withdraw immediately.
Either way, PPF remains one of the safest and most rewarding long-term investments in India.
A contributor to the Finanjo blog, where I share insightful and easy-to-understand content focused on educating readers about finance. With a clear and approachable writing style, I simplify complex topics to make them more understandable.
A contributor to the Finanjo blog, where I share insightful and easy-to-understand content focused on educating readers about finance. With a clear and approachable writing style, I simplify complex topics to make them more understandable.
