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How to Make PPF Partial Withdrawal Year 7+ 2026
PPF Partial Withdrawal - 50% available from Year 7. Annual withdrawal. Tax-free.
📁 Banking
⏱️ 30-45 mins
💰 Free
Visit Official Portal →
About This Guide
PPF partial withdrawal allowed from beginning of Year 7 (after 6 financial years). Up to 50% of balance at end of 4th preceding FY OR end of preceding FY (whichever lower). Annual withdrawal allowed. Tax-free withdrawal. PPF continues with reduced balance.
Eligibility Criteria
- PPF account 6+ FYs old
- Year 7 onwards
- Aadhaar mandatory
- Bank Aadhaar-seeded
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- PPF passbook
- Aadhaar
- Bank passbook
- Withdrawal application form
- PAN
- Photo
- Signature
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Verify Eligibility
7+ years. Calendar 7 not financial 7.
Calculate Amount
50% of balance at end of 4th preceding FY OR preceding FY (lower).
Visit Post Office / Bank
Where PPF account.
Submit
Form + passbook + KYC.
Verification
Officer verifies.
Disbursement
7-15 days to bank.
Account Continues
Reduced balance. Continues earning interest.
Annual Withdrawal
One per FY allowed.
Key Benefits
- Annual withdrawal
- Up to 50%
- Tax-free EEE
- Account continues
- 7+ years validity
- Compound interest on remainder
- Quick disbursement
- Govt-backed
What Happens After Application?
7-15 days disbursement.
Frequently Asked Questions
Maximum withdrawal?
50% of balance. Lower of: 4th preceding FY OR preceding FY balance.
Multiple withdrawals?
One per FY. Cannot do 2 in same financial year.