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Government savings scheme comparison

Public Provident Fund (PPF) — Bank of Baroda service route vs Sukanya Samriddhi Account — Bank of Baroda service route

Compare Public Provident Fund (PPF) — Bank of Baroda service route and Sukanya Samriddhi Account — Bank of Baroda service route 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 Sukanya Samriddhi Account — Bank of Baroda service route

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 BarodaSukanya Samriddhi Account — Bank of Baroda service route

Parents or eligible guardians saving specifically for a resident girl child’s long-term education/marriage goals where the beneficiary rules and long horizon fit the family’s needs.

Cost / pricing
8.20% p.a. for 1 July–30 September 2026; the Government reviews the rate quarterly and the account credits interest annually.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
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bankingreference.info · Comparison research sheet

Public Provident Fund (PPF) — Bank of Baroda service route vs Sukanya Samriddhi Account — Bank of Baroda service route

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/bob-public-provident-fund-vs-bob-sukanya-samriddhi-account/

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

Decision checkpoints

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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.

Sukanya Samriddhi Account — Bank of Baroda service route

Scheme eligibility
A resident girl child aged 0–10 through a parent/legal guardian, subject to the current family-account-count rules and multiple-birth exceptions. The beneficiary operates the account after age 18.
Contribution / investment / term
Open with at least ₹250; at least ₹250 must be contributed in a financial year to keep the account regular, with a ₹1.5 lakh annual maximum. Deposits are made for 15 years and the account matures 21 years from opening under current rules.
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.

Sukanya Samriddhi Account — Bank of Baroda service route

Current government rate / mechanism
8.20% p.a. for 1 July–30 September 2026; the Government reviews the rate quarterly and the account credits interest annually.
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.

Sukanya Samriddhi Account — Bank of Baroda service route

Liquidity / loan / transfer rules
Up to 50% of the preceding financial-year balance may be withdrawn for education after the account holder reaches 18 or passes Class 10, whichever is earlier. Premature closure is limited to specified death/compassionate/marriage circumstances.
Government / service-channel rule
Bank of Baroda services the Government of India scheme. Rate, beneficiary eligibility, contribution ceiling and maturity rules are government-set rather than bank-priced.
Other maintained comparisons for Public Provident Fund (PPF) — Bank of Baroda service routeOther maintained comparisons for Sukanya Samriddhi Account — Bank of Baroda service route
Exact terms

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Banking product terms side by side for Public Provident Fund (PPF) — Bank of Baroda service route and Sukanya Samriddhi Account — Bank of Baroda service route
Decision factorPublic Provident Fund (PPF) — Bank of Baroda service routeSukanya Samriddhi Account — Bank of Baroda service route
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.8.20% p.a. for 1 July–30 September 2026; the Government reviews the rate quarterly and the account credits interest annually.
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.Open with at least ₹250; at least ₹250 must be contributed in a financial year to keep the account regular, with a ₹1.5 lakh annual maximum. Deposits are made for 15 years and the account matures 21 years from opening under current rules.
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 girl-child savings, annual compounding, current tax-exempt interest/maturity treatment, and eligible contributions within the applicable aggregate Section 123 / Schedule XV deduction framework. Education withdrawal is available under defined conditions.
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.Up to 50% of the preceding financial-year balance may be withdrawn for education after the account holder reaches 18 or passes Class 10, whichever is earlier. Premature closure is limited to specified death/compassionate/marriage circumstances.
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.A resident girl child aged 0–10 through a parent/legal guardian, subject to the current family-account-count rules and multiple-birth exceptions. The beneficiary operates the account after age 18.
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.Bank of Baroda services the Government of India scheme. Rate, beneficiary eligibility, contribution ceiling and maturity rules are government-set rather than bank-priced.
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

Sukanya Samriddhi Account — Bank of Baroda service route

  • The current 8.20% rate is variable by government quarter rather than fixed for the full 21-year life.
  • Eligibility is beneficiary-specific; this is not a general minor account or a substitute for a normal child savings account.
  • The ₹1.5 lakh yearly contribution limit and statutory tax-deduction aggregate ceiling should not be double-counted.
  • The bank’s current page still refers to legacy Section 80C; the engine uses current 2026 tax-law numbering for the deduction framework.
Research tools

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Independent source state

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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

Sukanya Samriddhi Account — Bank of Baroda service route

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

Sukanya Samriddhi Account — Bank of Baroda service route

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

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