A Versatile simulation model for photovoltaic array is developed based on the DC physical model of photovoltaic module under Matlab environment. By the model,the I-V characteristics of photovoltaic array with different combinations can be simulated at any corresponding insolation level, ambient temperature and parameters of the photovoltaic module. In addition to that, the model includes the function of Maximum Power Point Tracking(MPPT) . It can be used in the dynamic simulation of photovoltaic systems and wind -solar hybrid systems.