EPF vs PPF vs VPF: Which scheme is best for your retirement? Find out here!

EPF vs PPF vs VPF: Planning for retirement is a common concern among working individuals in India. It’s essential to have a backup plan and make investments that will secure your future.

As an employee, you have various options to invest your money wisely. In this article, we will discuss the different provident fund schemes available and help you determine the best one suited to create a substantial retirement fund.

There are 3 provident fund

There are three provident fund schemes available under the government’s offerings. These schemes are the Voluntary Provident Fund (VPF), Employees’ Provident Fund (EPF), and Public Provident Fund (PPF). These schemes are popular among individuals who aim to build a substantial retirement fund. Let’s explore which scheme could be more beneficial for you.


EPF is a crucial retirement savings scheme where both the employee and employer contribute. The contribution amounts are determined based on the salary structure. While partial withdrawals are allowed, the full amount can only be accessed upon reaching the retirement age. EPF offers tax benefits and is well-suited for salaried individuals seeking a retirement-focused savings option.


PPF is another scheme that helps employees reduce their tax liabilities while building a larger corpus for retirement. It has a minimum lock-in period of 15 years, although partial withdrawals can be made after a certain duration. PPF is open to anyone interested in investing money and serves as a long-term investment plan.


VPF allows employees to invest additional funds, apart from the fixed investment amount. This means you can invest surplus income like rental earnings or money from mutual funds. You have the flexibility to invest more as desired. Withdrawals can be made after five years, and no taxes are deducted on these withdrawals.

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