PPF Extension Rules: How many times can you extend PPF after maturity?

PPF Extension Rules: How many times can you extend PPF after maturity? India-employmentnews | 2025-04-08T17:15:02+08:00

Many people want to run the PPF scheme for more than 15 years. For this, the option of PPF extension is available. PPF extension is done for 5 years at a time. But how many times can this extension be done?

PPF Account Extension Rules: PPF i.e. Public Provident Fund is a government scheme. It is getting 7.1% interest. This scheme matures in 15 years. This scheme is considered very good in terms of collecting money in the long term. For this reason, many people want to run this scheme for more than 15 years. For this, the option of PPF extension is available. PPF extension is done for 5 years at a time. But how many times can this extension be done? Many people are not aware of this. Know about it here.

There are two types of extension

In case of PPF extension, the investor has two types of options - first, account extension with contribution and second, account extension without contribution. If you do not withdraw the amount after the maturity of 15 years, then your account gets extended automatically. The advantage of this is that whatever amount is deposited in your PPF account, you keep getting interest on it as per the calculation of PPF and tax exemption also remains applicable. Apart from this, you can withdraw any amount from this account anytime. If you want, you can also withdraw the entire amount.

When does the extension happen in a block of 5 years?

If you want to deposit a big amount through PPF, then for this you will have to get an account extension with contribution. Extension with contribution is done for 5 years at a time. As many times as you extend it, it will be extended in blocks of 5 years each.

How many times can you extend?

You can extend your PPF account as many times as you need. There is no limit for this at present. To extend the account with contribution, you will have to submit an application to the bank or post office where you have the account. You will have to submit this application before the completion of 1 year from the date of maturity and fill a form for an extension. The form will be submitted in the same post office/bank branch where the PPF account has been opened. If you are unable to submit this form on time, you will not be able to contribute to the account.