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,
33 articles- 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,... 5 min read
- 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... 5 min read
- 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... 6 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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,... 6 min read
- Is PPF investment guaranteed? Yes, your PPF investment is guaranteed by the Government of India, meaning your principal and earned interest are completely safe... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- Is PPF interest compounded? Yes, Public Provident Fund (PPF) interest is compounded annually. Although interest is calculated every month on the lowest balanc... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read
- 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... 5 min read