EPF vs PPF vs VPF ComparisonFY 2026-27
Side-by-side comparison of current 8.25% EPF/VPF yields vs 7.1% PPF returns.
Quick Summary: EPF vs PPF vs VPF Comparison
EPF, PPF, and VPF are India's top 'EEE' (Exempt-Exempt-Exempt) tax-saving tools. In FY 2026-27, EPF/VPF offers the highest interest at 8.25% for salaried individuals, while PPF offers 7.1% and is open to all Indian citizens including the self-employed.
How to use the EPF vs PPF vs VPF Comparison
- 1
Enter Monthly Savings
Input the amount you wish to invest in tax-free instruments.
- 2
Review Lock-in Periods
Compare the 15-year PPF lock-in with the retirement-linked EPF/VPF tenure.
- 3
Check Tax Thresholds
Note that VPF interest becomes taxable if employee contribution exceeds ₹2.5 Lakh p.a.
- 4
Compare Final Corpus
See which instrument generates the maximum wealth over your desired timeframe.
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Regulatory Disclaimer · FY 2026-27
Last verified May 2026
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.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.