Need to mention PPF account in ITR1 Bank account list!

@ spatel

PPF or any provident fund cannot be filled into Banks list.

There is provision now in ITR-1 [AY25-26] for entering provident fund details on the First Section [Applicant Details, Income, and calculated tax ]

@ Ranjan

Thanks for reponse and It is clear that PPF account is not part of that list. 

For your second point that there is provision for ITR1 (AY 25-26] related to PPF. Is there separate section for this PPF and just to make sure that this is not EPF. I think for EPF there is some limit like 2,50,000 and if cross interest is taxable. 

My understanding is that Section 10(11) or Section 10(12) can not be used as interest earned on PPF is not part of total salary.

There is one section I can see is Exempted Income for Report purpose only. 

Can you please clarify which section you are mentino in your earlier answer. 

@ spatel

The taxation rules on provident funds in India is too convoluted to explain here.

If you google, you will get the information from sites lihe cleartax etc.

You will also find how to fill up the provident fund information in ITR from same sites.

@ spatel

Further to my last reply. Following apply to the ITR-1 Excel Utility, where you can fill up the pension details:-

Open Schedule - Income Details

Scroll to - DEDUCTIONS [This is written on the left side of the excel work sheet]

In DEDUCTIONS, you will see many places for entering the appropriate pension scheme details.

But refer to my previous reply about Taxability of various pension schemes, and google to find out.

If you are not using excel utility but doing the filing on line, go to section DEDUCTIONS and do accordingly

No, you do not need to mention your PPF account in the bank account section of ITR-1 or any ITR form.

THE BANK ACCOUNT SECTION IN ITR SERVES TWO PURPOSES:
1. To designate the bank account for receiving any income tax refund
2. To confirm your bank accounts held during the year (under the high-value transaction declaration for accounts with significant deposits)

A PPF account is not a bank account in the traditional sense. It is a savings scheme account held with India Post or certain nationalized banks. It cannot receive refunds (the income tax department cannot credit refunds to a PPF account).

WHAT TO DO:
- In the bank account section, enter your regular savings account or current account details (IFSC code, account number, and bank name)
- Mark one account as the primary account for refund credit
- You do NOT need to enter PPF account, EPF UAN, or NSC/SCSS account numbers here

PPF interest income is fully exempt under section 10(11). You do not need to declare it anywhere in ITR-1, but in ITR-2 you may mention it under Exempt Income in Schedule EI as good practice.

A bank-held PPF account is not a savings or current account for the ITR-1 bank-account disclosure. Report the PPF interest as exempt income in the relevant exempt-income schedule, where applicable; do not add the PPF account as a refund-credit bank account. In the bank-account section, disclose the savings/current accounts held during the year as the form requires, and nominate an eligible account separately for any refund.

The ITR-1 utility’s wording and account-type options can change by assessment year. If a particular year’s form explicitly asks for all accounts and offers a PPF option, follow that year’s instructions; don’t select savings/current merely to fit the PPF account.

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