PPF vs EPF Comparison
Which retirement debt vehicle builds more, and at what cost.
EPF pays 8.25% with a 12% employee and 12% employer contribution on basic salary, while PPF pays 7.1% on a voluntary contribution capped at ₹1.5 lakh a year. EPF usually builds far more because of the employer match and salary growth; PPF wins on flexibility and applies to the self-employed.
Your Inputs
EPF corpus
EPF
₹2.74 Cr
PPF
₹1.03 Cr
PPF corpus
₹1,03,08,015
Combined
₹3,76,71,663
How this works
Use both, for different jobs
EPF is automatic and carries the employer match, so treat it as the base. PPF is the right tool for topping up debt allocation beyond EPF, for a spouse with no salary, and for the self-employed who have no EPF at all.
VPF before extra PPF
Voluntary Provident Fund lets you contribute above 12% at the same EPF rate, with no ₹1.5 lakh cap. Since EPF pays more than PPF, VPF is usually the better next rupee — up to the ₹2.5 lakh annual limit beyond which interest becomes taxable.