PPF Account After 15 Years: What Happens to Your Investment? Experts Explain

• Public Provident Fund (PPF) accounts offer tax exemption and compound returns, maturing after 15 years.
• After 15 years, the account does not close automatically; holders have three options for their investment.
• Option 1: Close the account and withdraw the entire amount by submitting a closure form and passbook.
• Option 2: Keep the account active without new deposits; the balance continues to earn interest, with one withdrawal allowed per financial year.
• Option 3: Extend the account in 5-year blocks and continue investing by submitting Form 4 within one year of maturity.

Why It Matters: PPF accounts offer three options post-maturity: withdraw, continue earning interest, or extend with new investments.