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Which is better - PPF vs PF?

The following table highlights the points of difference between Public Provident Fund and Employees Provident Fund:

Basis

EPF

PPF

Eligibility

Employees working in an organisation with more than 20 workers.

Any Indian citizen above 18 years of age.

Return

8.65%

8%

Contribution

Mandatory contribution made by the employer as well as employee - 12% of salary + Dearness Allowance

Minimum contribution- Rs. 500 per annum

Maximum contribution- Rs.1,50,000 per annum

 

Employees Provident Fund is clearly a better option than Public Provident Fund for employees, since the contribution is made by the employer as well. For others, Public Provident Fund is an equally good investment option.

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