What should I do with my EPF and PPF accounts when I move to the US?

First, understand the US tax treatment, because it's unfavorable. The US generally does not recognize EPF (Employees' Provident Fund) or PPF (Public Provident Fund) as tax-deferred retirement plans, so the interest they earn each year is typically taxable on your US return even though it stays untouched in India — and the accounts must be disclosed on FBAR and possibly Form 8938. A PPF account can't accept fresh contributions once you're a non-resident and runs to maturity; EPF stops growing with new contributions once you leave the employer. Many NRIs choose to withdraw or wind these down after moving and redeploy into US-tax-friendly accounts, but withdrawal timing and Indian rules matter. Get specific cross-border advice before closing anything — the right move depends on your balances, age, and whether you'll return.