PPF Matures: Withdraw or Continue? Expert Advice on Your 15-Year Investment

• PPF accounts don't close automatically after 15 years; investors have three options upon maturity.
• Options include full withdrawal, continuing without new contributions (earning interest), or extending in 5-year blocks with contributions.
• To extend with contributions, Form H must be submitted within one year of maturity; otherwise, it extends without new investments.
• The best option depends on the investor's age: younger individuals benefit from extending for tax-free fund building, older individuals might withdraw.
• PPF falls under the EEE tax framework, offering tax-free contributions, interest, and maturity withdrawals; current interest rate is 7.1%.

Why It Matters: Decide on PPF maturity based on age and financial goals; consider tax benefits and extension options.