law: Public Provident Fund Act, 1968
  6. Withdrawals
  (1) A subscriber shall be entitled to make withdrawals from the
  
  amount standing to his credit in the Fund (including any interest accrued
  
  thereon) to such extent and subject to such terms and conditions as may be
  
  specified in the Scheme: 
  
  that such withdrawals shall be allowed only after the expiry of a
  
  period of five years from the end of the year in which he makes the initial
  
  subscription to the Fund.
  (2) Notwithstanding anything contained in sub-section (1), a
  
  subscriber shall be entitled to withdraw the entire balance standing to his
  
  credit in the Fund after the expiry of a period of fifteen years from the end
  
  of the year in which he makes the initial subscription to the Fund.
  (3) Subject to the provisions of sub-sections (1) and (2), an
  
  individual who has made subscriptions to the Fund on behalf of a minor, of whom
  
  he is the guardian, shall be entitled to withdraw any amount from the Fund only
  
  for the use of the minor.