Is Post Office PPF different from bank PPF?

No — interest rate, rules and tax benefits are identical. Only the operating institution differs.

Can I transfer PPF from post office to bank?

Yes — submit a transfer request at the post office; the account moves with all balances and tenure intact.

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15-year tax-free PPF planning via India Post.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Yearly Deposit₹1,50,000

₹500₹1.5L

Tenure (yrs)15 yrs

1550

Interest Rate %7.1%

5%10%

Invested₹22,50,000

Interest₹18,18,209

Maturity₹40,68,209

Compare rates across 50+ banks.

Personalised plan in 60 seconds.

Post Office PPF accounts work the same as bank PPF — 15-year lock-in, tax-free maturity.

Each year: Balance = (Balance + Deposit) × (1 + r)

Everything you need to know about the Post Office PPF Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.