When does a PPF account mature?
This article shows you a quick way to know when your PPF account will mature depending on the date you opened the account.
When does a PPF account mature?
Posted on 16 Oct 2022
Author: Sayan Sircar
Tags: 
Choosing Investments
9 mins read
Choosing Investments
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This article shows you a quick way to know when your PPF account will mature depending on the date you opened the account.
This article is a part of our detailed article series on Public Provident Fund (PPF). Ensure you have read the other parts here:
-
SENSEX vs PPF report card 2025: should you invest 1.5 lakhs in PPF in April?
Many investors wonder which is a better option for long-term investment: Public Provident Fund or investing in the stock market via mutual funds. Given that PPF returns more the earlier you make the investment, many investors also try to target investing the maximum in PPF as early as possible, preferably in April.
-
SENSEX vs PPF report card 2024: should you invest 1.5 lakhs in PPF in April?
This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2024.
-
How much money has been made by investing in the Public Provident Fund (PPF)?
This article shows the maturity amount of investing in the Public Provident Fund (PPF) for 15 years as per historical interest rates.
-
Which is the best month to invest in PPF to get the highest interest?
This article explains how PPF interest calculation works so that you can invest in the best month to get the maximum interest.
-
How to get the most interest when investing in PPF?
This article compares the various ways of investing in PPF to show which gives the most interest.
-
SENSEX vs PPF report card 2023: should you invest 1.5 lakhs in PPF in April?
This article compares how the PPF has performed against the SENSEX since 1979 to help investors decide if they should invest a lump sum in PPF in April 2023.
-
What is the latest PPF rate? What are the historical rates for PPF?
This article gives you the current and historical interest rates for PPF so that you can decide if investing in PPF is the right option for your portfolio.
-
Frequently asked questions on Public Provident fund (PPF): the complete guide
This article compiles an exhaustive list of FAQs on the Public Provident fund (PPF).
-
PPF vs. mutual funds: which is better?
The article presents a historical analysis of investing in stocks vs. PPF since 1979.
-
Should you renew your PPF account or invest in mutual funds?
A Step-by-step guide for PPF account holders approaching maturity in April. This post shows how to decide between extension vs. withdrawal.
📚 Table of Contents
- Rule of PPF maturity date calculation
- Accounts opened in the past
- Accounts to be opened in the future
- What to do once the PPF account matures?
Rule of PPF maturity date calculation
A PPF account matures on 1st April after 15 years from the end of the financial year of opening. This rule works like this:
- if you opened the account between 1st April and 31st December of Year 20XX, the account will mature on 1st April of 20(XX+16). E.g. an account opened on 1st December 2020 will mature on 1st April 2036
- if you opened the account between 1st January and 31st January of Year 20XX, the account will mature on 1st April of 20(XX+15). E.g. an account opened on 1st January 2020 will mature on 1st April 2035
This article will let you look up the maturity date based on the date you opened the account.
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Accounts opened in the past
Your PPF asccount will mature on 1st Apr 2025 only if you have opened the account between 1st April 2009 and 31st March 2010. You need to put an extension request between 1st April 2025 and 31st March 2026.
How to read the table:
- find out the date on which you opened the account
- locate the row with the year in the first column
- locate the column as per the date: 1st April to 31st Dec or 1st Jan to 31st Mar
- the intersection of the row and column will give you the maturity date
For example, the maturity date an account opened on:
- 3-May-2011 will be found in the row with 2011 and in the 2nd column i.e. 1st-Apr-2027
- 15-Jan-2014 will be found in the row with 2014 and in the 3rd column i.e. 1st-Apr-2029
| Year | 1-Apr to 31-Dec | 1-Jan to 31-Mar |
|---|---|---|
| 2010 | 1st-Apr-2026 | 1st-Apr-2025 |
| 2011 | 1st-Apr-2027 | 1st-Apr-2026 |
| 2012 | 1st-Apr-2028 | 1st-Apr-2027 |
| 2013 | 1st-Apr-2029 | 1st-Apr-2028 |
| 2014 | 1st-Apr-2030 | 1st-Apr-2029 |
| 2015 | 1st-Apr-2031 | 1st-Apr-2030 |
| 2016 | 1st-Apr-2032 | 1st-Apr-2031 |
| 2017 | 1st-Apr-2033 | 1st-Apr-2032 |
| 2018 | 1st-Apr-2034 | 1st-Apr-2033 |
| 2019 | 1st-Apr-2035 | 1st-Apr-2034 |
| 2020 | 1st-Apr-2036 | 1st-Apr-2035 |
| 2021 | 1st-Apr-2037 | 1st-Apr-2036 |
| 2022 | 1st-Apr-2038 | 1st-Apr-2037 |
| 2023 | 1st-Apr-2039 | 1st-Apr-2038 |
| 2024 | 1st-Apr-2040 | 1st-Apr-2039 |
| 2025 | 1st-Apr-2041 | 1st-Apr-2040 |
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Accounts to be opened in the future
How to read the table:
- find out the date on which you plan to open the account
- locate the row with the year in the first column
- locate the column as per the date: 1st April to 31st Dec or 1st Jan to 31st Mar
- the intersection of the row and column will give you the maturity date
For example, the maturity date for an account to be opened on:
- 18-Jun-2031 will be found in the row with 2031 and in the 2nd column i.e. 1st-Apr-2047
- 6-Feb-2030 will be found in the row with 2030 and in the 3rd column i.e. 1st-Apr-2045
| Year | 1-Apr to 31-Dec | 1-Jan to 31-Mar |
|---|---|---|
| 2026 | 1st-Apr-2042 | 1st-Apr-2041 |
| 2027 | 1st-Apr-2043 | 1st-Apr-2042 |
| 2028 | 1st-Apr-2044 | 1st-Apr-2043 |
| 2029 | 1st-Apr-2045 | 1st-Apr-2044 |
| 2030 | 1st-Apr-2046 | 1st-Apr-2045 |
| 2031 | 1st-Apr-2047 | 1st-Apr-2046 |
| 2032 | 1st-Apr-2048 | 1st-Apr-2047 |
| 2033 | 1st-Apr-2049 | 1st-Apr-2048 |
| 2034 | 1st-Apr-2050 | 1st-Apr-2049 |
| 2035 | 1st-Apr-2051 | 1st-Apr-2050 |
| 2036 | 1st-Apr-2052 | 1st-Apr-2051 |
| 2037 | 1st-Apr-2053 | 1st-Apr-2052 |
| 2038 | 1st-Apr-2054 | 1st-Apr-2053 |
| 2039 | 1st-Apr-2055 | 1st-Apr-2054 |
| 2040 | 1st-Apr-2056 | 1st-Apr-2055 |
| 2041 | 1st-Apr-2057 | 1st-Apr-2056 |
| 2042 | 1st-Apr-2058 | 1st-Apr-2057 |
| 2043 | 1st-Apr-2059 | 1st-Apr-2058 |
| 2044 | 1st-Apr-2060 | 1st-Apr-2059 |
| 2045 | 1st-Apr-2061 | 1st-Apr-2060 |
What to do once the PPF account matures?
We have a detailed article on this topic here:
Should you renew your PPF account or invest in mutual funds?
Related Articles
- Should you renew your PPF account or invest in mutual funds?
- Frequently asked questions on Public Provident fund (PPF): the complete guide
- How much money has been made by investing in the Public Provident Fund (PPF)?
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