How NRIs can take PPF money overseas: The NRO-to-bank-account route explained

NRIs cannot directly repatriate PPF maturity proceeds to an overseas bank account because the account’s benefits are subject to a non-repatriation condition. However, the money can move through the NRO account and may subsequently be remitted abroad under the broader RBI framework, subject to FEMA rules and the USD 1 million annual facility.