Stepping into 2026 and commencing the discussion with my PPF (Public Provident Fund) is and will remain one of the most reliable long-term saving plans in India for many reasons: tax-exempt growth and disciplined wealth building. But when some sudden circumstances hit you—something like medical bills, your child’s education, and what not—it suddenly is necessary for you to know how much, if any, can you withdraw from your PPF savings! Here is the up-to-date straightforward guide to the withdrawal rules. If you scroll down you will be presented with the entire list for 2026 with ease.
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PPF withdrawal rules Quick Comparison Table
Table
| Withdrawal Type | Rule Summary | Conditions / Limits |
|---|---|---|
| Partial Withdrawal | Possible after 5 full financial years | Up to 50% of eligible balance (see rules below) |
| Premature Closure | Allowed after 5 years (specific reasons) | 1% interest penalty; only for serious needs like education/medical |
| Maturity Withdrawal | After 15 years completion | Full balance tax-free; can extend account |
| Extended Withdrawal | After 15-year extension | Up to 60% per 5-year block (in some rules) |
What’s Partial Withdrawal in 2026?
Partial withdrawal is an option to withdraw a part of the amount before maturity without closing the PPF.
When can it be done?
LINumber`F? VG2Gsince withdrawal can be made after 5 whole financial years after the account is opened.
What is the maximum amount permitted for withdrawal?
Such a withdrawal can be up to the minimum of the fund balances at:
- 50% of PPF balance at the end of the 4th year of the year of withdrawal, or
- 50% of the balance at the end of the preceding financial year
Example: In order to withdraw in FY 2026–27: Check the balances as of 31 March 2023 (4th year earlier) and 31 March 2026 (year before) — choose the minimum of the two, 50% of the two.
Note: One partial withdrawal is permissible per financial year.
Premature Closures: Please Use Carefully
Before the maturity of 15 years is reached in the PPF the account can be closed*-if extremely necessary- after 5 years of completion but only due to extreme conditions such as serious medical treatment or higher education.
And be ready for:-
These figures are from the middle of the year, 2026.
There is a 1.5% reduction in repo rate,2.7% on the cash loan rate,> 2.7% on the overnight rate,> Traffic 1.2%.inine the bank rate.
Maturity Withdrawal and Extensions
Your investment in the PPF is essential, considering other factors are made more so.
On maturity, you stand at crossroads.
PPF is the mainstay of financial planning in the long term, with tax-free benefits, disciplined savings and emergency withdrawal options. Nevertheless, notwithstanding the absence of too much liquidity before 15 years, there are partial withdrawal and targeted premature closure rules-watch the following to keep funds away from a lock for ever- quite untainted by heavy penalty.