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of <h1>Subscribers can withdraw up to 50% of their PPF balance after five years; full balance after 15 years.</h1> After five years from the initial subscription year, a subscriber can withdraw up to 50% of their Public Provident Fund balance, considering the lowest balance between the fourth preceding year and the prior year, minus any outstanding loans. Only one withdrawal is allowed per year. After 15 years, subscribers can withdraw the entire balance, with adjustments for any loan interest, and close the account. Alternatively, they can extend their subscription in five-year blocks, allowing partial annual withdrawals up to 60% of the balance at the start of the period. Accounts opened for minors require a guardian's certification for withdrawals.
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