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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
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.

When does a PPF account mature?

This article is a part of our detailed article series on Public Provident Fund (PPF). Ensure you have read the other parts here:

๐Ÿ“š Topics covered:

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
How is tax calculated on selling shares/MFs and how do to do tax harvesting?

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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This post titled When does a PPF account mature? first appeared on 16 Oct 2022 at https://arthgyaan.com


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