EPF Vs PPF Vs VPF: Difference Between EPS, PPF and VPF & Which is Better to Invest

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Employee Provident Fund (EPF)	Voluntary Provident Fund (VPF)	Public Provident Fund (PPF)
Eligibility Criteria: Indian salaried and non-salaried employees	Eligibility Criteria: Indian salaried employees	Eligibility Criteria: Anybody except NRIs
Annual Rate of Interest: 8.50%	Annual Rate of Interest: 8.50%	Annual Rate of Interest: 7.1%
Minimum Period of Investment: Retirement or resignation	Minimum Period of Investment: 15 years	Minimum Period of Investment: Retirement or resignation
Tax Benefit: Up to ₹ 1 lakh under Section 80C	Tax Benefit: NA	Tax Benefit: Triple exemption benefits- deduction on deposits, tax-free returns and zero wealth tax
Investment Duration: Till retirement or resignation (whichever comes before)	Investment Duration: NA	Investment Duration: 15 years
Withdrawal: Complete withdrawals	Withdrawal: Complete withdrawals	Withdrawal: 50% withdrawal after 6 years
Contribution Percentage: 12% (both employee and employer)	Contribution Percentage: More than 12% (only employees)	Contribution Percentage: ₹ 500 a year (minimum) ₹ 1.5 Lakh (maximum)
Taxation on Returns after Maturity: Tax free	Taxation on Returns after Maturity: No tax	Taxation on Returns after Maturity: Tax free

EPF vs PPF vs VPF: Which Is Better to Invest in?

What Is EPF, PPF and VPF?

1. Employee Provident Fund (EPF)

2. Voluntary Provident Fund (VPF)

3. Public Provident Fund (PPF)

What Is the Difference Between EPF, PPF & VPF?

Points to Remember While Choosing to Invest in VPF, EPF and PPF

Which Savings Option Is the Best Among EPF, VPF and PPF?

Frequently Asked Questions

✓ How much amount can I withdraw from my EPF account before retirement?

✓ If I resign from my job, what will happen to my VPF investment?

✓ Can I carry my PPF investment after 15 years?

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