Should VPF Be Chosen For Accumulating Retirement Corpus?

VPF or Voluntary Provident Fund which is a contribution from your salary over and above the EPF contribution has the potential to generate tax-free and lucrative returns given the return landscape of other comparable safe debt securities. Few interesting points that favour its lap up by you, if you can afford to contribute some amount in addition to the 12% basic salary and DA that goes towards the EPF. Remember unlike, EPF , in VPF the similar amount is not contributed by the employer.

However, all rules in VPF such as withdrawal, investment, lock-ins, loan etc are similar to EPF

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