PPF extension allows you to keep your PPF account active beyond the initial 15-year maturity. You can extend in blocks of 5 years, with or without making further contributions.
Extension Options
- With contributions — Continue investing up to ₹1.5 lakh/year; full withdrawal allowed anytime
- Without contributions — No new deposits; withdraw up to 100% in one or more installments
For FIRE
PPF extension is useful when you’ve reached financial independence and want to keep a portion in tax-free, low-risk debt. The “without contributions” option lets your balance compound while you withdraw as needed—ideal for the post-60 stable-income bucket.