All about EPF, PPF & VPF

Presenting Investor Education Originals, where we simplify the basics of personal finance and investing for you. In this video, we explain all you need to know about EPF, PPF & VPF.



EPF, PPF & VPF are your best investment options for government-guaranteed returns and tax deductions.

1. EPF (Employees Provident Fund):

12% of your basic salary goes into your EPF account to help you save money for retirement. Not only do you get a tax deduction, but also earn 8.5% guaranteed interest under section 80-C of the Income Tax Act. 

2. VPF (Voluntary Provident Fund): 

VPF works exactly like EPF and earns the same interest rate of 8.5%. You can choose to invest 100% of your basic salary in VPF, and avail of tax deduction under section 80-C. 

3. PPF (Public Provident Fund):

PPF is suitable for both salaried and self-employed people. As of today, PPF gives you a return of 7.1% with a lock-in period of 15 years.


  1. EPF, VPF & PPF all three are long-term investments and therefore not liquid.
  2. The minimum annual amount required to keep the account your EPF & PPF active is Rs 500, and the maximum amount that can be deposited in a financial year is Rs 1.5 Lakh.
  3. VPF has the same lock-in period as EPF. While partial withdrawal is allowed in VPF, the amount will be considered tax-free only if the investment is at least 5 year old.
  4. Partial withdrawal from EPF is permitted in case of emergencies. However, tax exemption on EPF corpus is allowed only if you have invested continuously for 5 years.
  5. Partial withdrawal is allowed in PPF after completion of 5 financial years.





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