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Opened 2nd PPF account now what?

Avatar 37a3bd7bc7328f0ead2c0f6f635dddf60615e676e6b4ddf964144012e529de45 asked

I opened one PPF accuont in UBI at CST branch where my dad used to work. Now he is retired so am not able to deposit amount in my PPF account as UBI does not provide operating PPF online, and I dont like to go to CST branch from Kalyan. So opened another account at Axis bank which allow to operate PPF online (They didnt told me that I cannot open second account even after I told them that I already have one open). Now I realise that one cannot have more than one PPF account. Even worse, if I open 2nd PPF account, the 2nd account you have opened will be closed, and you will be refunded only the principal amount, not the interest as given 3rd point in this link: http://taxguru.in/income-tax/public-provident-fund-ppf-scheme-investment-limit-income-tax-benefit-features.html So what should I do now? I want to operate my 2nd account not the first one. (I have very nominal amount in both accounts not exceeding 5K in total)

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Avatar 37a3bd7bc7328f0ead2c0f6f635dddf60615e676e6b4ddf964144012e529de45 answered

There is no issue with more than one EPF accounts. EPF account changes with employer so whenever one changes job, a new account would be opened by new employer. However, one should transfer amount from old account to new one to keep earning interest on balance amount.

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