The PPF account matures after completion of 15 years calculated from the day the account was opened. After maturity, the entire PPF account balance can be withdrawn. However, after the end of the 6th year, PPF subscribers are allowed to make partial withdrawals from their account. The qualifying amount for partial PPF withdrawal is automatically calculated by the PPF calculator and is the lesser of the following amounts:
Option1. 50% of the PPF account balance in the year preceding the year of a loan application or
Option2. 50% of the PPF account balance in the 4th financial year preceding the year of the loan application.