Which is better — EPF, PPF or VPF?

EPF/VPF: 8.25% (highest), EEE, limited to salaried. PPF: 7.1%, EEE, available to all, 15-year lock-in. VPF: Same as EPF, voluntary extra contribution, ideal for salaried wanting to boost EEE savings beyond EPF.

Can I have both PPF and EPF accounts?

Yes. EPF is mandatory for employees earning < ₹15,000 at companies with 20+ staff. PPF is voluntary and open to all. Both enjoy EEE tax status. Combined, they're the gold standard for risk-free retirement savings.

What is the VPF contribution limit?

VPF has no upper limit — you can contribute up to 100% of basic+DA voluntarily. However, interest earned on contributions above ₹2.5L/year (employee only) is taxable from FY 2021-22 onwards.

EPF vs PPF vs VPF ComparisonFY 2026-27

Side-by-side comparison of current 8.25% EPF/VPF yields vs 7.1% PPF returns.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

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