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VPF BENEFITS
EPF Scheme 2026 replaces EPF Scheme 1952: Have EPF interest rate, contribution and wage ceiling changed?EPF Scheme 2026: The Employees' Provident Funds Scheme, 2026, has replaced the 1952 version, bringing the EPF under the new Social Security...
Tax-saving investment: 7.1% interest in PPF or 8.25% returns in VPF; which is a better option to save tax this year?Tax-saving investment ideas FY23-24: PPF has been a go-to option for traditional investors to save tax while planning for retirement. Is th...
EPF interest rate slashed to 8.1% for 2021-22; can you still save enough for your retirement?The Labour Ministry has recently proposed to slash the interest rate by 0.4% to 8.1% from 8.5% earlier for the FY 2021-22. The decrease in ...
Comparison of interest rates on tax saving debt investmentsDo keep in mind that these tax-saving investment options will be relevant to you only if you continue with the old tax regime in the curren...
Retirement planning: How EPF, NPS can help you get government-like pensionOne of the common miscalculations which most people do while saving for retirement is the ability of the corpus to compensate for the infla...
Tax optimiser: Kapoor can cut tax outgo via Rs 2.5 lakh tax-free limit of VPFThis taxpayer needs to rejig his investments. He puts Rs 1.5 lakh a year in the PPF. Instead, he should utilise the tax-free limit of the V...
Tax on PF interest: Should you stop investing in VPF? How bank FDs, RBI bonds, NPS compareMany contributors to VPF are now exploring other options that can give them higher returns. Almost 74% of respondents to our survey say the...
Voluntary Provident Fund (VPF) vs Public Provident Fund (PPF) - Which suits you better?Both VPF and PPF carry sovereign guarantee and hence, there is no difference when it comes to risk. Both are considered to be safe fixed in...
VPF sweetest fixed income investment option despite B stingIf you want to invest more, the VPF is your best bet. In the 30% tax bracket, it would still give 5.85% returns, which is higher than what ...
Will tax on PF interest also cover contribution to PPF account?On the plain reading of the budget documents, it appears that tax will apply to the interest earned on contributions made to Employees' Pro...
From August 1, EPF contributions will be deducted at 12 per centThe Employees' Provident Fund (EPF) monthly contributions were reduced from 12 per cent to 10 per cent as a part of the Atma Nirbhar Bharat...
Tax-exempt employer contribution to PF, NPS capped: Why high earners should opt for VPF, NPSTill now, individuals with high basic salary could have the employer contribute up to 22% of the basic towards PF and NPS (12% and 10% ) an...
Here's a quick comparison of interest rates on tax-saving debt investmentsBut before you get down to choosing a tax saving investment you should probably first calculate how much you need to invest to save tax.
6 fixed income investments to help you save tax under section 80CLong-term debt investments should form a part of every investor's portfolio to maintain stability. However, investors should know that most...
Should I go with VPF or debt funds to save for my daughter’s education over the next 10 years?Debt funds invest across bonds of different maturities. On the other hand, the VPF offers guaranteed returns and contributions are eligible...
Should you hike VPF contribution?In addition to their normal contribution to EPF, employees can benefit from this higher interest rate by voluntarily contributing more – i....
Should I stop my VPF and invest in mutual funds?If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.
Should an employee opt for a VPF as returns on other fixed-income instruments fall?These days, when interest rates in general are on their way down while the rate on EPF is still towering high, employees may consider incre...
Section 80C basket may get skewed in favour of EPF, say expertsSome experts say investors can look at calibrating their Section 80C savings towards the Voluntary Provident Fund rather than PPF that curr...
Budget 2016: EPF tax whammy may push VPF out of favour; equity, debt MFs to gainSalaried individuals, many of whom opted to save through additional contribution to their VPF, could now shift to tax-free bonds or debt mu...