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PPF Account Maturity: Can I Withdraw Before 31st March 2025?

T S Khurana |487 Answers |Ask -Follow

Tax Expert - Answered on Nov 12, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more

Question by Vikas on Nov 11, 2024Hindi

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Thanks for your answer. I made a mistake in my question. The PPF account with post office is maturing on 22 February 2025 and not 22 Feb 2024. In this case, can i withdraw the amount before the end of financial year 31st March 2025? Thanks I understand from your answer above that maturity proceeds for my daughter either before attaining 18 years or after attaining 18 years will go to bank account in her name.

Ans: Change of date shall not effect my suggestion. You would be withdrawing the amount after maturity of PPF Account, but before your daughter get major. Your this doubt has already been replied in my previous response.
Most welcome for any further clarifications. Thanks.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Sir opened my PPF account on 9th April 2009 and has been paying regularly every year since then. This year I paid my 15th Instalments on the 4th. April 2023. Now when I can withdraw my total amount and close the same? Some say I will have to deposit again in April 2024 and then can close. Some say I can withdraw and close any day after 31st March 2024. Please clarify this. Will before closing I have to again pay an instalment in April 2024.

Ans: You can now withdraw your entire PPF account balance and close it without needing to contribute again in April 2024. Your PPF account will be maturing on April 9, 2024, after completing 15 years from the opening date (April 9, 2009).

Just remember to visit your bank or post office with your passbook and withdrawal form to initiate the process.

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Question by Vikas - Oct 28, 2024Hindi

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Hi, my and my daughter (minor) PPF accounts with post office are maturing on 22nd Feb 2024. Question 1 : Can we withdraw funds on 1st April 2025? Question 2 : Can the maturity proceeds for my daughter turning 18 years on 4th April 2025 be paid to my account as her guardian if i apply to withdraw the funds before 4th April 2025?

Ans: 01. Yes. You may withdraw the amount from PPF Account in April,2025.
02. It is advisable to withdraw the amount from your daughter's account after 04.04.2025 (the date when she gets maturity). In this case amount will straight go to her account.
03. If however, you want to withdraw the amount after maturity of PPF Account, BUT before she attains majority, then the amount shall go to a saving account in her name, with your guardianship.
Most welcome for any further clarification. Thanks.

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