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When does a PPF account mature?

Posted on 16 Oct 2022
Author: Sayan Sircar

Tags: Choosing Investments

8 mins read
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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 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.

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.

Accounts opened in the past

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
2009	1st-Apr-2025	1st-Apr-2024
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

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Also read
What should an US NRI do to become compliant with PFIC and FBAR rules on their Indian investments?

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
2025	1st-Apr-2041	1st-Apr-2040
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

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?

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