Interested in financial products

PPF Death Claim

In case of the death of a Public Provident Fund (PPF) account holder, any money left in their PPF account is passed on to the nominee or the legal heir. The paperwork and documentation for the claim vary based on whether a nomination has been registered by the PPF subscriber or not. Here’s how to go about filing a claim.

Death Claim Form - Nominees or the legal heir of the deceased PPF subscriber are required to submit a duly filled Form G to the bank or post office where the PPF account was held.

In Case of Nomination - If the PPF subscriber had registered a valid nomination, the nominee will be able to claim the proceeds from the account by simply filing the Form G, along with proof of death of the subscriber (death certificate).

In Case of No Nomination - If there is no nomination in force, the claim can be made by the legal heirs of the deceased subscriber. In addition to the death certificate, the legal heirs also have to submit a succession certificate or letters of administration along with an attested copy of probate of will issued by a competent court.

Death Claim Process - Upon receipt of application and documents from the nominee, if these are found to be in order, all amounts standing to the credit of the PPF account of the deceased subscriber will be repaid to the nominee by the bank or post office. Adjustments will be made according to interest on loans taken by the subscriber.

Death Claim Status – Online Check

Here are the steps to be followed for checking PPF claim status online.

  • Inform the bank to set up your PPF account as part of the net banking system.
  • Once done, log into your account and begin the claim process.
  • The claim status can only be checked once you’ve logged into your account and started the claim process.
  • Some banks only accept PPF deposits online, in this case, the PPF withdrawal claim can only be checked online.
  • If the PPF account has been created in a post office, the claim status can be checked by a simple process of inquiring from the same post office.

Important Points to Note

  • PPF account continues to earn interest as per the terms even after the death of the subscriber until the amount is claimed.
  • A PPF account cannot be continued by anyone in case of death of the subscriber.
  • The additional amount deposited in a PPF account after the death of the subscriber will not attract any interest and will be returned as it is to the claimant(s).
  • Pending credit availed by the subscriber such as loans will be deducted from the proceeds to be made to the claimant(s).
  • Amounts up to Rs. 1,00,000 can be claimed by legal heir(s) without production of succession certificate.
  • A legal heir can claim the proceeds of a PPF account even when a nomination has been made to someone else, by producing the succession certificate.
  • If a nominee chooses to forego the proceeds from an account, his/her share will be divided equally among other nominees.

About PPF

Public Provident Fund (PPF) is a preferred investment option for investors looking to create a long-term retirement fund. This long-term saving scheme gives all-round tax benefit. It is a safe investment option since it is backed by the Government of India and comes with an attractive interest rate and guaranteed returns. These returns are entirely exempt from tax under Section 80C of the Income Tax Act. Investors can save tax ranging from Rs. 500 to Rs. 1,50,000 in a given financial year, and can get facilities such as loan, withdrawal, and extension of account.


1. How do I close PPF account online?

There are many banks which give you the online access the PPF account. You can see statement and deposit into the PPF account online. But PPF account opening and closing require the visit to branch or post office. The bank or post would match your signature. Only after the authentication, it would release the fund.

2. Is there a separate PPF closure form?

You are not required to submit a form for the account closure. Once, your PPF account becomes vacant the account closes itself. Thus, the PPF withdrawal Form can be considered as the PPF account closure form. Note, your PPF account would not close unless you withdraw the full amount.

3. How to get a succession certificate

To get a succession certificate, you need to submit a petition to the civil court in whose jurisdiction the PPF account lies. You also need to submit the death certificate of the deceased. The court will issue a notification in newspapers for 45 days and if there are no contestants during that period, the succession certificate will be issued to relevant applicants.

4. What is the PPF lock-in period?

Investments made to a PPF account have a lock-in period of 15 years. However, individuals can make a partial withdrawal from the PPF account after 5 years from the date of opening the account.

5. Can I withdraw PPF after 5 years?

The Government has amended the PPF scheme and propagated some positive changes regarding the withdrawal of balance from the account. You can now withdraw the whole amount and close your PPF after 5-years.

End Note

In the event of the death of a Public Provident Fund subscriber, any money left in their PPF account is passed on to the nominee(s) or the legal heir(s). If the PPF subscriber had registered a valid nomination, the nominee can claim the proceeds from the account by simply filing the Form G, along with proof of death of the subscriber (death certificate).

×Thank you! Your comment will be reviewed and posted shortly.