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PPF maturity date falls on a holiday or you don't withdraw immediately: what happens to your money?
Mint 2 hrs ago·5 Oct 2026, 2:01 am
A Public Provident Fund (PPF) account typically matures after 15 years from the financial year of its opening. If the maturity date falls on a non-working day, the account is considered matured on the preceding working day. If you do not withdraw the funds immediately after maturity, the account continues to earn interest at the standard PPF rate for that financial year. This interest accrues on the total accumulated amount, including the principal, until you make a withdrawal.
For investors, this means that leaving the money idle does not result in a penalty, but it also means missing out on the opportunity to reinvest the funds elsewhere. The interest rate is fixed for the entire financial year, so the amount grows at a steady pace. It is advisable to withdraw the funds promptly to explore other investment avenues or to renew the account for another 15-year term.
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