PPF Matures: Withdraw or Extend? Expert Advice on Your Investment Options

• A PPF account does not close automatically after 15 years; investors have three options upon maturity.
• Options include withdrawing the full amount, extending without contributions (earning interest), or extending in 5-year blocks with new contributions.
• To extend with contributions, Form H must be submitted within one year of maturity; otherwise, it extends without new contributions.
• Experts suggest extending for younger investors to build a tax-free fund, while older investors might consider withdrawal.
• PPF offers EEE tax benefits, allowing tax-free contributions, interest, and withdrawals, with up to ₹1.5 lakh eligible for Section 80C deduction.

Why It Matters: Upon PPF maturity, choose to withdraw or extend based on age and financial goals for optimal tax-free growth.