Vpf

Build long-term wealth effortlessly by tapping into one of the safest high-return avenues.

How to grow your retirement corpus with Voluntary Provident Fund (VPF)

A safe, tax-efficient option for salaried employees to earn higher returns through extra EPF contributions

PPF or VPF: where should your next Rs 10,000 go for better returns?

Both are safe and tax-free, but one pays more while the other gives you flexibility—here’s how to decide where your money works harder.

Know your rights-4 | What is a Voluntary Provident Fund? VPF benefits and when to begin contributions?

Just like the Employee Provident Fund, there is a long-term investment option known as Voluntary Provident Fund (VPF) wherein you can get better returns from an FD or a PPF! But what is it? Watch this video to find out. #KnowYourRights with @sahiljain.22 In this video, we will discuss how using VPF investment can help you save more money with better interest rates if you are a salaried employee!

Switching jobs? 6 tasks that require your immediate attention

Update your new employer about your income and tax deduction at the earlier job to enable correct TDS calculation. Use the salary hike to pre-pay your loans and set aside some money for investments.

When should you increase your VPF contributions?

While the employer’s contribution is restricted to a maximum of 12%, as an employee, you can increase your contribution further through Voluntary Provident Fund, over and above the mandatory 12 percent. Here is a guide on how and when to do it.

EPFO announces 8.15% interest rate for 2022-23; here's how the rate gets fixed

The interest rate will be officially notified in the government gazette after the Finance Ministry's approval. After this, the EPFO will credit the interest into the subscribers' accounts.

Explained: How EPF’s taxable and non-taxable accounts will work

Employees contributing over Rs 2.5 lakh to their EPF account will feel the pinch of tax on interest on the excess amount this year, as the rules will be implemented when EPFO credits interest for FY 2021-22.

The best fixed income investments in a low interest rate regime

Governtment tax saving schemes are still among the best investments that help beat inflation

Will VPF remain attractive option after new tax rules?

From April 1, if the employee's contribution to PF - statutory or voluntary - exceeds Rs 2.5 lakh a year, then the interest earned on this excess contribution will become taxable at the prevailing income tax rates.

Should one contribute towards Voluntary Provident Fund?

Most of the salaried employees love EPF due to tax-free and secure returns, ease of investing and withdrawal benefits. But there is a way to increase the contribution towards EPF and voluntarily contribute more towards the retirement corpus. So, should one opt for VPF? Watch the video to find out.

Voluntary Provident Fund: Here’s how you can increase your retirement corpus

Secure and tax-efficient, VPF can give a significant boost to your retirement corpus

Reduction in EPF contribution: Opt for VPF to make up for the decline in your kitty

It is a highly secure, tax-efficient avenue that offers better returns than most debt instruments

Choosing between the VPF and PPF for additional debt investments

Since both VPF (as part of EPF) and PPF have long-term maturity periods, these are best-suited to act as retirement planning tools

Should you hike your PF contribution amid falling returns?

Employees' voluntary PF (VPF) contribution can be taken right up to 100 per cent of basic pay. However, the employer is not required to match the additional contribution made by the employee.