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Difference between EPF vs PPF vs VPF & Which is Better to Invest in?

What Is EPF, PPF and VPF?

What Is the Difference Between EPF, PPF & VPF?

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: 8.10%

Annual Rate of Interest: 8.10%

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

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

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

FAQs about Difference Between EPS, PPF and VPF