The Reserve Bank on Wednesday directed banks to close the public provident fund (PPF) accounts of Hindu undivided families (HUFs), which have completed 15 years and refund the money by March 2011. The directive to the banks follow a notification by the finance ministry, which stated that all PPF accounts opened by HUFs and completed 15 years should be closed.They will not be allowed keep their acc-ounts for the extended period of five years after completion of 15 years.