EPF vs PPF vs VPF: Which of these 3 schemes will be best for your retirement, know here

EPF vs PPF vs VPF: Most of the employed people start thinking about their retirement during the service itself. He makes plan B of investment for him. During the job, they also invest to create a large corpus for retirement.

There are many schemes for employees to invest in. Here we are telling you which are the provident fund schemes and which one is best for you to create a huge corpus for retirement.

Currently there are 3 plans to create provident fund

There are 3 provident fund schemes in the schemes run by the government. The first is Voluntary Provident Fund (VPF), Employees’ Provident Fund (EPF) and Public Provident Fund (PPF). It is very popular among people who want to create a substantial corpus for their retirement. Know which scheme can be more beneficial for you.


It is an essential retirement savings plan. Both the employer and the employee contribute to EPF. The contribution of the worker and the employer is decided according to the salary structure. At the same time, some money can be withdrawn from it. Partial withdrawal is allowed, the full amount will be released only when the individual reaches the age of retirement. The scheme offers tax benefits. EPF is suitable for salaried individuals who need a retirement-focused savings option.


It helps the salaried individual to build a bigger corpus after retirement as well as reduce taxes. PPF has a minimum lock-in period of 15 years. However, a certain amount can be withdrawn after some time. Anyone can invest money in PPF. This is a long term investment plan.


The amount of investment in VPF is fixed, but employees can invest more money if they want. This means that you can also invest money from your rental income or mutual funds. You can invest more money in this. There is an option to withdraw money after five years. No tax is deducted on this.

(pc india)

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