Skip to content
bankingreference.infoIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
Government savings scheme comparison

Public Provident Fund (PPF) — Bank of Baroda service route vs e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Compare Public Provident Fund (PPF) — Bank of Baroda service route and e-Kisan Vikas Patra (e-KVP) — Bank of Baroda using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Government savings scheme comparison

Public Provident Fund (PPF) — Bank of Baroda service route vs e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
Bank of BarodaPublic Provident Fund (PPF) — Bank of Baroda service route

Resident individuals seeking long-horizon government-backed compounding and tax-exempt PPF interest/maturity value who can accept contribution caps and rule-based access rather than FD-style redemption.

Cost / pricing
7.10% p.a. for 1 July–30 September 2026; the Government reviews the PPF rate quarterly and interest is compounded/credited annually rather than locked at the opening rate for all 15 years.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
Bank of Barodae-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Resident investors wanting a government-backed fixed-at-purchase return with no statutory maximum investment and who can accept the 2-year-6-month normal lock before premature closure.

Cost / pricing
7.50% p.a. for e-KVP purchases in the current 1 July–30 September 2026 quarter; unlike PPF/SSA, the rate at purchase is contractual and remains applicable through that certificate’s maturity. Current maturity is 115 months.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

Public Provident Fund (PPF) — Bank of Baroda service route vs e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/bob-public-provident-fund-vs-bob-e-kisan-vikas-patra/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Do you qualify for the scheme and investment term?Start with the eligible customer or relationship and any balance, funding or tenure requirement.

Public Provident Fund (PPF) — Bank of Baroda service route

Scheme eligibility
Resident individual in own name or as eligible guardian for a minor/person of unsound mind under current rules. HUF and NRI customers cannot open a new PPF account under the reviewed bank rules.
Contribution / investment / term
Minimum ₹500 in a financial year and maximum ₹1.5 lakh in a financial year, in permitted multiples. Initial tenure is 15 years with extension available in five-year blocks under current rules.

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Scheme eligibility
Resident Indian adults, eligible purchases on behalf of minors and permitted joint adult holdings. NRI, HUF, trust, company and charitable-organization purchase is excluded by the reviewed Bank of Baroda page.
Contribution / investment / term
Minimum ₹1,000 and then ₹100 multiples; no maximum investment limit under the reviewed scheme page.
02Which dated scheme rate or mechanism applies?Match the customer category, currency, amount, tenure and effective date before comparing quoted rates. No return is calculated here.

Public Provident Fund (PPF) — Bank of Baroda service route

Current government rate / mechanism
7.10% p.a. for 1 July–30 September 2026; the Government reviews the PPF rate quarterly and interest is compounded/credited annually rather than locked at the opening rate for all 15 years.

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Current government rate / mechanism
7.50% p.a. for e-KVP purchases in the current 1 July–30 September 2026 quarter; unlike PPF/SSA, the rate at purchase is contractual and remains applicable through that certificate’s maturity. Current maturity is 115 months.
03What access, transfer or withdrawal rules need checking?Read the full liquidity and relationship conditions, including any recorded early-exit or payment restrictions.

Public Provident Fund (PPF) — Bank of Baroda service route

Liquidity / loan / transfer rules
No joint PPF account. Ordinary on-demand closure is not available; loans, partial withdrawals and premature closure operate only in the scheme’s prescribed windows/grounds. Contributions above the statutory annual ceiling do not earn PPF treatment.
Government / service-channel rule
Bank of Baroda operates PPF as an authorized service route and allows eligible customers to use bob World; the Government sets the rate and scheme rules, and accounts are transferable across authorized bank/post-office channels.

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Liquidity / loan / transfer rules
Normal premature closure is available only after 2 years 6 months. Earlier closure is limited to specified death, forfeiture by eligible pledge or court-order cases. No Section 123 principal deduction is modeled for KVP.
Government / service-channel rule
All Bank of Baroda branches are stated to be authorized to issue e-KVP and eligible customers can purchase through bob World; the Government sets the quarterly new-purchase rate, while the booked rate remains contractual to maturity.
Other maintained comparisons for Public Provident Fund (PPF) — Bank of Baroda service routeOther maintained comparisons for e-Kisan Vikas Patra (e-KVP) — Bank of Baroda
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Banking product terms side by side for Public Provident Fund (PPF) — Bank of Baroda service route and e-Kisan Vikas Patra (e-KVP) — Bank of Baroda
Decision factorPublic Provident Fund (PPF) — Bank of Baroda service routee-Kisan Vikas Patra (e-KVP) — Bank of Baroda
Current government rate / mechanism7.10% p.a. for 1 July–30 September 2026; the Government reviews the PPF rate quarterly and interest is compounded/credited annually rather than locked at the opening rate for all 15 years.7.50% p.a. for e-KVP purchases in the current 1 July–30 September 2026 quarter; unlike PPF/SSA, the rate at purchase is contractual and remains applicable through that certificate’s maturity. Current maturity is 115 months.
Contribution / investment / termMinimum ₹500 in a financial year and maximum ₹1.5 lakh in a financial year, in permitted multiples. Initial tenure is 15 years with extension available in five-year blocks under current rules.Minimum ₹1,000 and then ₹100 multiples; no maximum investment limit under the reviewed scheme page.
Payout / tax / scheme benefitsGovernment-backed long-term savings, tax-exempt PPF interest and maturity treatment under current tax rules, nomination, transfer between authorized bank/post-office routes and rule-based loan/withdrawal facilities. Eligible contributions can fall within the aggregate Section 123 / Schedule XV deduction framework under the applicable tax regime.Government-backed contractual return, nomination, branch and eligible bob World purchase routes, and ability to use the certificate as collateral under applicable rules.
Liquidity / loan / transfer rulesNo joint PPF account. Ordinary on-demand closure is not available; loans, partial withdrawals and premature closure operate only in the scheme’s prescribed windows/grounds. Contributions above the statutory annual ceiling do not earn PPF treatment.Normal premature closure is available only after 2 years 6 months. Earlier closure is limited to specified death, forfeiture by eligible pledge or court-order cases. No Section 123 principal deduction is modeled for KVP.
Scheme eligibilityResident individual in own name or as eligible guardian for a minor/person of unsound mind under current rules. HUF and NRI customers cannot open a new PPF account under the reviewed bank rules.Resident Indian adults, eligible purchases on behalf of minors and permitted joint adult holdings. NRI, HUF, trust, company and charitable-organization purchase is excluded by the reviewed Bank of Baroda page.
Government / service-channel ruleBank of Baroda operates PPF as an authorized service route and allows eligible customers to use bob World; the Government sets the rate and scheme rules, and accounts are transferable across authorized bank/post-office channels.All Bank of Baroda branches are stated to be authorized to issue e-KVP and eligible customers can purchase through bob World; the Government sets the quarterly new-purchase rate, while the booked rate remains contractual to maturity.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Bank of Baroda

Public Provident Fund (PPF) — Bank of Baroda service route

  • PPF’s 7.10% is a current-quarter rate applied under government rules; it is not a 15-year fixed coupon.
  • The annual ₹1.5 lakh contribution ceiling is separate from the aggregate statutory tax-deduction ceiling across specified savings instruments.
  • Tax benefits depend on current law and tax regime; the bank page still uses legacy Section 80C wording while the engine maps current 2026-law numbering.
  • PPF liquidity is rule-based and should not be compared with an ordinary callable bank deposit solely on headline yield.
Bank of Baroda

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

  • KVP is not put into the ordinary bank-FD rate finder because its government-set certificate mechanics and lock rules differ from bank deposits.
  • The current Bank of Baroda page contains stale legacy FAQ fragments alongside its current 7.50% / 115-month facts; the current Government Q2 notification and current top-level product facts control.
  • No Section 123 / Schedule XV principal deduction is modeled for KVP.
  • Using KVP as collateral creates borrowing risk and should not be treated as equivalent to free liquidity.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

Bank of Baroda

Public Provident Fund (PPF) — Bank of Baroda service route

Reviewed
September 10, 2026
Attached first-party sources
3
Open primary bank source ↗
Bank of Baroda

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Reviewed
September 10, 2026
Attached first-party sources
3
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Public Provident Fund (PPF) — Bank of Baroda service route

Reviewed September 10, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/accounts/baroda-public-provident-fund
  2. Issuer product pagehttps://dea.gov.in/budget-division/475
  3. Issuer product pagehttps://indianbank.bank.in/en/interest-rates-for-small-savings-schemes

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

Reviewed September 10, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/investments/government-deposit-schemes/e-kisan-vikas-patra-scheme
  2. Issuer product pagehttps://dea.gov.in/budget-division/475
  3. Issuer product pagehttps://indianbank.bank.in/en/interest-rates-for-small-savings-schemes