PPF maturity rules are important to understand because many account holders do not know what happens after 15 years. If you do not deposit money after maturity, the interest and account status follow specific rules. Knowing these points in advance helps you decide how to manage your money and avoid confusion. Here is what you should know.
Engine
In the context of PPF, the main function after 15 years is the maturity handling. Once the account completes its 15-year lock-in period, it reaches full maturity. At this point, the account holder must decide whether to extend the account or leave it as it is. If you choose not to deposit, the account moves to a different mode.
Mileage
If no fresh deposit is made after 15 years, the PPF continues to earn interest. The interest rate remains the same as applicable to regular PPF accounts. This means your existing balance keeps growing even without new contributions. The account does not stop earning interest, which becomes beneficial for those who prefer passive growth.
Other specifications
After 15 years, the PPF account automatically shifts to “extended without contribution” status if no deposit is made. You cannot make fresh deposits unless you formally apply for extension with contribution. You can withdraw money once a year during this extended phase. The account remains active and interest keeps accumulating.
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Price and offer
PPF maturity provides flexibility without extra charges. You do not lose interest due to non-deposit, and no penalty is applied. The only limitation is that you cannot restart contributions without submitting an extension request. This gives account holders a simple and cost-free way to keep their savings growing for many years.
Another features
One major feature after 15 years is that you can keep the account active indefinitely in 5-year blocks. Even without depositing, the balance earns interest every year. This is helpful for people who want long-term savings without regular payments. The account remains safe, government-backed, and interest stays tax-free.
Look and Design
The structure of the PPF after maturity is designed to give clarity and freedom. The rules allow the account to continue smoothly without extra steps. The extended model ensures that no deposit does not stop interest. This simple design helps avoid confusion for users who want stability and long-term financial comfort.
Performance
The performance of the PPF after 15 years remains stable. Interest keeps adding to the balance at the declared rate. Withdrawals are allowed once every financial year. The account retains its benefits without forcing the user to invest further. This consistent performance makes PPF a reliable option even after maturity.
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