Here’s what you need to know. ✅ You CANNOT open a new PPF account after becoming an NRI. But if you opened one while resident, you can continue contributing via your NRO account till maturity. ⚠️ Big catch: You CANNOT extend your PPF beyond 15 years; unlike residents who can extend in 5-year blocks. After 15 years? Account must close. 🚫 No minimum deposit (₹500/year) = account becomes inactive. And no, you can’t just “reactivate” it later; it’s frozen. 💸 Withdrawal? Only after 15 years. Premature withdrawal? Only after 5 years; and with 1% lower interest. Plus, repatriation is capped at $1M/year. 💡 Interest is tax-free in India (Section 10(11)), but check your resident country’s rules; you might still be taxed abroad. For NRIs, PPF isn’t a perpetual savings tool; it’s a 15-year commitment with strict rules. Plan accordingly.