I have two PPF account one for myself and one for my wife. I maintain both the accounts as my wife is not working. Due to some personal reasons, I need money, so looking to take loan from my existing PPF accounts. I have just checked and found out that since last two years, I have not made minimum investment in my wife’s PPF account. Please guide me - Can one get loan or withdraw money from those accounts to which regular subscriptions haven't been made every year?