EPF & PPF
Explore comprehensive guides on Employee Provident Fund (EPF) and Public Provident Fund (PPF). Master EPF rules, withdrawal processes, VPF contributions, PPF account management, interest calculations,
- How to Check Your EPF Balance Instantly You can check your EPF balance instantly through four main methods: the UMANG mobile app, the official EPFO Member e-Sewa portal, …
- EPF Withdrawal for House Purchase: Rules Yes, you can use your Employee Provident Fund (EPF) for a house purchase, but you must meet certain conditions. To be eligible for…
- EPF Contribution Limit: What to Expect The EPF contribution limit is 12 percent of basic salary from the employee and 12 percent from the employer, but only part of the …
- Best Investment Options for PPF Savers The best investment options for PPF savers are VPF (8.25% government-backed), SSY (8.2% tax-free for daughters), NPS (9-12% with e…
- EPF vs PPF: Who Should Invest in What? EPF and PPF share two letters and almost nothing else. EPF is mandatory for salaried employees with a matching employer share. PPF…
- How to Withdraw EPF Online: A Step-by-Step Guide To withdraw EPF online, you must first log in to the UAN Member e-Sewa portal with your activated UAN. Then, navigate to the 'Onli…
- Understanding Your EPF Statement: What Each Field Means Your EPF statement details the monthly contributions made by you and your employer towards your retirement fund. It also shows the…
- EPF vs PPF for Salaried vs Self-Employed EPF (Employee Provident Fund) is a mandatory retirement scheme for salaried employees, while PPF (Public Provident Fund) is a volu…
- What Happens to EPF When You Change Jobs? When you change jobs, your EPF account does not close, and the money continues to earn interest. You can either transfer the entir…
- PPF Account Transfer Between Banks: Process Guide To transfer your PPF account, you must visit your current bank and submit a transfer request form. After your old bank sends your …
- EPF Withdrawal After Resignation: Time Limit? You can apply for a full EPF withdrawal after a waiting period of two months (or 60 days) from your last working day. This is only…
- Why is My EPF Balance Lower Than Expected? A lower than expected EPF balance is often caused by simple issues like delayed employer contributions or annual interest that has…
- 5 Things to Check Before Extending Your PPF Account The Public Provident Fund (PPF) is a 15-year investment scheme. Before extending it, you must decide whether to continue with or w…
- 7 Things to Know Before Opening a PPF Account A Public Provident Fund (PPF) account is a government-backed savings scheme with a 15-year lock-in period and tax-free returns. Be…
- How to Link Aadhaar with EPF Account To link your Aadhaar with your EPF account, you must first log in to the EPFO member portal using your UAN and password. Then, nav…
- How much should I keep in my PPF account? Match your annual PPF contribution to your remaining section 80C headroom or your debt allocation target. Between 12,500 and 1,50,…
- Is PPF investment guaranteed? Yes, your PPF investment is guaranteed by the Government of India, meaning your principal and earned interest are completely safe …
- How to open a PPF account online? You can open a PPF account online in under 15 minutes if you have an existing savings account with SBI, HDFC, ICICI, or other majo…
- Is PPF interest taxable? PPF interest is fully tax-free in India under Section 10 of the Income Tax Act. The myth comes from a 2021 EPF rule that capped ta…
- How much can I withdraw from EPF for a house? You can typically withdraw up to 24 months of basic plus DA for land, 36 months for house purchase or construction, or up to 90 pe…
- PPF for NRIs: Rules and benefits Non-Resident Indians (NRIs) cannot open a new Public Provident Fund (PPF) account. However, if you opened an account while you wer…
- Is PPF interest compounded? Yes, Public Provident Fund (PPF) interest is compounded annually. Although interest is calculated every month on the lowest balanc…
- Is VPF really tax-free like EPF? No, VPF is not always tax-free like EPF. Due to a new rule, interest earned on your combined EPF and VPF contributions above 2.5 l…
- What are the benefits of VPF? VPF adds a high-return, tax-efficient layer on top of your mandatory EPF share, with no extra account to manage. For salaried inve…
- Why VPF contributions are not reflecting in my EPF account VPF contributions not reflecting in your EPF account is often due to processing delays from your employer's side or a time lag at …
- VPF for Senior Citizens: Enhancing Retirement Income The Voluntary Provident Fund (VPF) allows working senior citizens to contribute more to their provident fund account, earning the …
- How much tax saving can I get with VPF? A 30% slab earner saves up to 46,800 rupees a year in tax by contributing 1.5 lakh to VPF, plus earns 8.25% tax-free interest on c…
- EPF vs PPF: Which Scheme Offers Better Returns? EPF generally offers better returns than PPF, primarily due to the mandatory employer contribution that effectively doubles your i…
- How Much EPF Balance Do I Need for a Loan? You need a minimum EPF balance equal to 36 months of basic wages plus DA for housing advances, or varying amounts for medical, mar…
- PPF vs EPF: Which is Best for Retirement Planning? EPF pays a higher interest rate than PPF and includes employer match, making it the primary retirement engine for salaried employe…
- VPF: Is it a Smart Move to Increase Your EPF Contribution? Voluntary Provident Fund (VPF) allows you to contribute more than the mandatory 12% to your EPF account, earning the same high int…
- PPF Account Extension: 5 Things You Must Know Your PPF account matures in 15 years, but you can extend it in 5-year blocks. You must decide whether to continue with contributio…
- PPF vs EPF: Investment Horizon Differences PPF has a fixed 15-year lock-in with optional 5-year extensions, while EPF stays locked until retirement or job exit. The two sche…