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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://static.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline 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class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">VPF - Voluntary Provident Fund 2024</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is Voluntary Provident Fund (VPF)?</h2><p class="text-base ">The <strong>Voluntary Provident Fund</strong> (VPF) allows employees to make additional contributions to their EPF account beyond the mandatory amount. Participation is optional, but it offers a safe, government-backed investment with an <strong>8.25%</strong> interest rate. Employees can contribute up to 100% of their basic salary and dearness allowance, boosting their retirement savings.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Overview of Voluntary Provident Fund (VPF)</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/voluntary-provident-fund.webp" alt="Voluntary Provident Fund" title="Voluntary Provident Fund" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Risks of investing are minimal</li><li class="pt-1 pb-1">Easy to transfer the amount in case of a job change</li><li class="pt-1 pb-1">Easy to open a VPF account<br/></li></ol><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tenure</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to retirement or resignation</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest rate</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.25%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Investment Amount</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Depends on the employee</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Maturity Amount</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Depends on the investment amount</p></td></tr></tbody></table></div></div><div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><p class="text-base ">Under the <strong>VPF</strong> scheme, employees can voluntarily contribute to their provident fund account. The scheme is also called the Voluntary Retirement Fund scheme.</p><p class="text-base ">The scheme does not include the mandatory 12% that the employee makes towards the Employees' Provident Fund (<a href="/saving-schemes/epf.html" target="_blank">EPF</a>).</p><p class="text-base ">Employees can contribute up to 100% of their <a href="/tax/basic-salary.html" target="_blank">basic salary</a> and <a href="/tax/dearness-allowance.html" target="_blank">dearness allowance</a> towards the scheme. The <a href="/saving-schemes/vpf-interest-rate.html" target="_blank">VPF interest rate</a> is similar to the EPF scheme. It is not mandatory for employers or employees to contribute to the VPF.</p><p class="text-base ">However, the scheme has a lock-in period of 5 years. The rate of interest of VPF is decided by the Government of India on a yearly basis.</p><h2 class="text-lg font-bold pt-5">VPF Eligibility</h2><p class="text-base ">Since the <strong>VPF</strong> scheme is an extension of the EPF, only salaried employees who receive payments monthly in their salary accounts can invest in it.</p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Documents Required to Open a VPF account</h2><p class="text-base ">The below-mentioned documents must be submitted in order for employees to open a VPF account:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The company registration certificate with the Ministry of Finance (MoF) must be submitted.</li><li class="pt-1 pb-1">Form 24 and Form 49 must be submitted.</li><li class="pt-1 pb-1">In case the organisation is an 'Sdn Bhd', the memorandum and articles of association must be submitted.</li><li class="pt-1 pb-1">The company profile in details must be given.</li><li class="pt-1 pb-1">The business registration certificate must be submitted.</li></ol><p class="text-base ">Employees can check with their employer if any further documents need to be submitted to open a VPF account.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Benefits of VPF</h2><p class="text-base ">The VPF account comes under the Exempt-Exempt-Exempt (EEE) category. Therefore, employees can enjoy <a href="/tax.html" target="_blank">tax </a>benefits and earn a large amount of money in the long-run by investing in the VPF. The main benefits of a VPF account are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Safe option to invest:</strong> There are no dangers associated with investing in the scheme because it is run by the Indian government. It is quite safe to invest in a VPF account as opposed to other long-term investment options provided by commercial companies. </li><li class="pt-1 pb-1"><strong>High rate of interest:聽</strong>Under the VPF scheme, the rate of interest is <strong>8.15%</strong> p.a. The interest that is generated from the contributions is also<a href="/tax/tax-exemption.html" target="_blank"> exempt from tax</a>.</li><li class="pt-1 pb-1"><strong>Application process is easy:</strong> Opening a VPF account is a fairly easy process. Workers can request to start a VPF account by submitting the registration form to their employer's finance staff. The VPF account will function similarly to the current EPF account.聽</li><li class="pt-1 pb-1"><strong>Transfer process is simple: </strong>In case employees change their jobs, it is very simple for them to transfer the VPF account of the old company to the new one.</li></ol><h2 class="text-lg font-bold pt-5">Tax Benefits Under VPF</h2><p class="text-base ">When it comes to various investment options in India, the <strong>VPF</strong> account is considered among the best. Under <a href="/tax/deductions-under-80c.html" target="_blank">Section 80C</a> of the<a href="/tax/income-tax-act.html" target="_blank"> Income Tax Act</a>, 1961, employees are eligible for tax benefits of up to Rs.1.5 lakh. The interest that is generated from these contributions is also exempt from tax. However, in case the rate of interest is more than 9.50% p.a., the amount will be taxable.</p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Interest Rate of聽 VPF</h2><p class="text-base ">The rate of interest is set by the Indian Government and is revised on a yearly basis. The rate of interest for FY 2023-2024 is 8.25% p.a. which was the rate of interest previously. Investments towards a VPF account is viable because of its high rate of interest and tax benefits. Given below is the <a href="/saving-schemes/ppf-vs-vpf.html" target="_blank">comparison of the PPF and VPF</a> interest rates:</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Financial Year</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">PPF rate of interest p.a.(%)</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">VPF rate of interest p.a.(%)</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2023-2024</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.10</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.25</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2021-2022</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.10</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.10</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2019-2020</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.10</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.5</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2018-2019</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.6 to 8</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.65</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2017-2018</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.6 to 8</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.55</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2016-2017</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8 to 8.1</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.8</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2015-2016</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.7</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.8</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2014-2015</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.7</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.75</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2013-2014</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.7</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.75</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Rules and Regulations of VPF</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/vpf.webp" alt="VPF" title="VPF" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base "><strong>The <a href="/saving-schemes/vpf-rules-and-guidelines.html" target="_blank">rules and regulations of VPF</a> account are mentioned below:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">When compared to an EPF account, employees are allowed to contribute 100% of their basic salary and dearness allowance towards a VPF account.</li><li class="pt-1 pb-1">It is not compulsory for employees to contribute to a <strong>VPF</strong> account.</li><li class="pt-1 pb-1">The Indian Government decides the rate of interest of a VPF account at the start of the financial year. The rate could increase or decrease when compared to previous years.</li><li class="pt-1 pb-1">The full amount available at maturity can be withdrawn at the time of resignation or retirement. Individuals can also transfer their VPF amount from the previous employer to the current one. In case the account holder passes away, the legal heir or the nominee will receive the total amount that has been accumulated.</li><li class="pt-1 pb-1">Only individuals who work for companies that come under the<a href="https://www.bankbazaar.com/saving-schemes/epf.html" target="_blank"> Employees' Provident Fund Organisation </a>(EPFO) and have an <a href="https://www.bankbazaar.com/saving-schemes/what-is-pf-provident-fund.html" target="_blank">EPF account</a> are eligible to open a VPF account. Individuals who work for unorganised sectors are not allowed to open a VPF account.</li><li class="pt-1 pb-1">Individuals can open a <strong>VPF</strong> account at any given time during the financial year. Investments made into the account cannot be stopped for 5 years. </li><li class="pt-1 pb-1">Partial withdrawals in the form of loans can be made against the VPF account. In case the amount is withdrawn before the maturity period, the withdrawn sum is taxable.</li></ol><h2 class="text-lg font-bold pt-5">Process to Withdraw Money from VPF Account</h2><p class="text-base ">In case of financial requirements due to medical emergencies, withdrawing money from a VPF account could come in handy. Employees must fill up Form-31 and give a request letter in writing for VPF withdrawal. Employees will be able to get the <a href="/saving-schemes/epf-form-31.html" target="_blank">Form-31</a> from their employer's Human Resource (HR) team or on the government's portal. All required documents, including the details of the employee such as <a href="/saving-schemes/all-about-the-employee-pf-account-number.html" target="_blank">PF number</a>, postal address, and bank details must be submitted. A cancelled <a href="/ifsc/know-your-cheque.html" target="_blank">cheque</a> must also be submitted. All documents that are submitted must be self-attested.</p><p class="text-base "><strong>In case of unforeseen financial emergencies, employees can withdraw from the VPF account.聽聽Some of the reasons where the VPF can be broken are mentioned below:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">In case medical bills of the account holder or his/her children need to be paid.</li><li class="pt-1 pb-1">For the marriage or higher-education of the account holder.</li><li class="pt-1 pb-1">To buy new land or a house or for the construction of the house.</li></ol><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-destructive-light"><div class="p-2.5"><h3 class="text-md font-bold pt-1">Topics on VPF </h3> <ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/vpf-interest-rate.html" target="_blank" rel="noreferrer noopener">VPF Interest Rate</a>聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/voluntary-provident-fund-limit.html" target="_blank" rel="noreferrer noopener">VPF Limits</a>聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/voluntary-provident-fund-form.html" target="_blank" rel="noreferrer noopener">VPF Form</a>聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/vpf-rules-and-guidelines.html" target="_blank" rel="noreferrer noopener">VPF Rules & Guidelines</a>聽</li></ol></div></div><div class="mb-2.5 py-1"><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-6 md:col-span-6 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Top Pages of VPF <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-2"><li class=""><a href="/saving-schemes/vpf-interest-rate.html" title="VPF Interest Rate" target="_black">VPF Interest Rate</a></li><li class=""><a href="/saving-schemes/voluntary-provident-fund-limit.html" title="VPF Limit" target="_black">VPF Limit</a></li><li class=""><a href="/saving-schemes/voluntary-provident-fund-form.html" title="VPF Form" target="_black">VPF Form</a></li><li class=""><a href="/saving-schemes/vpf-rules-and-guidelines.html" title="VPF rules" target="_black">VPF rules</a></li><li class=""><a href="/saving-schemes/ppf-vs-vpf.html" title="PPF vs VPF" target="_black">PPF vs VPF</a></li><li class=""><a href="/saving-schemes/epf.html" title="EPFO" target="_black">EPFO</a></li><li class=""><a href="/saving-schemes/how-to-check-pf-status-online.html" title="PF Status Online" target="_black">PF Status Online</a></li><li class=""><a href="/saving-schemes/uan.html" title="UAN" target="_black">UAN</a></li><li class=""><a href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="EPF Balance" target="_black">EPF Balance</a></li><li class=""><a href="/saving-schemes/epf-e-passbook.html" title="PF Passbook" target="_black">PF Passbook</a></li><li class=""><a href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="EPFO Login" target="_black">EPFO Login</a></li></ol></div></details></div></div><div class=" lg:col-span-6 md:col-span-6 col-span-12"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Popular Pages of Saving Schemes <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ol class="list-disc list-outside ml-4 mr-4 columns-2"><li class=""><a href="/saving-schemes/ppf.html" title="PPF" target="_black">PPF</a></li><li class=""><a href="/saving-schemes/nps.html" title="NPS" target="_black">NPS</a></li><li class=""><a href="/saving-schemes/nps-calculator.html" title="NPS Calculator" target="_black">NPS Calculator</a></li><li class=""><a href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="SSY Calculator" target="_black">SSY Calculator</a></li><li class=""><a href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana" target="_black">Sukanya Samriddhi Yojana</a></li><li class=""><a href="/saving-schemes/nsc.html" title="NSC" target="_black">NSC</a></li><li class=""><a href="/saving-schemes/senior-citizen-saving-scheme.html" title="SCSS" target="_black">SCSS</a></li><li class=""><a href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_black">Atal Pension Yojana</a></li><li class=""><a href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan dhan Yojana" target="_black">Pradhan Mantri Jan dhan Yojana</a></li><li class=""><a href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_black">Kisan Vikas Patra</a></li><li class=""><a href="/saving-schemes/post-office-savings-account.html" title="Post Office Savings Account" target="_black">Post Office Savings Account</a></li></ol></div></details></div></div></div></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17752&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17752" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on VPF - Voluntary Provident Fund</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>What is the interest rate on VPF?</strong><p class="text-base ">The current interest rate on VPF is <strong>8.25%.聽聽</strong></p></li><li class="pt-1 pb-1"><strong>What is the maximum and minimum amount that can be invested in VPF?</strong><p class="text-base ">Regarding investments, the VPF Limit has no upper or lower bound. Your individual monthly donations determine the same. Up to 100% of your monthly income (dearness allowance + pay) may be designated for a VPF contribution. Keep in mind that your employer is under no need to make contributions to your VPF account. As a result, the amount of money in your voluntarily provided fund account is directly influenced by the interest you earn on your monthly contributions during the investment.</p></li><li class="pt-1 pb-1"><strong>What is the difference between VPF and EPF?</strong><p class="text-base ">EPF's extension is called VPF. A person must contribute 12% of their basic salary and Dearness Allowance to an EPF account. In a VPF, the maximum allowed voluntary contribution is 100%.聽</p></li><li class="pt-1 pb-1"><strong>How much amount can I withdraw as a loan against my VPF account?</strong><p class="text-base ">Both partial and full withdrawals of the funds accumulated in the VPF account are possible. People who are moving occupations are typically more likely to utilise their earnings from their voluntary retirement accounts. Note that the accumulated funds may be liable to taxes if this activity is done before the account in question has existed for five years.</p></li><li class="pt-1 pb-1"><strong>Who are the ideal candidates for a VPF account?</strong><p class="text-base ">Anyone who is looking to invest in a long-term financial instrument is an ideal candidate. VPF accounts are best suited for people who are nearing retirement and/or are looking out for a robust, safe and scalable pension fund option.</p></li><li class="pt-1 pb-1"><strong>If I find a new job, will my VPF account be affected? </strong><p class="text-base ">Your Aadhar Card is linked to your VPF account. Thus, moving your account from one employer to another is a simple process.</p></li><li class="pt-1 pb-1"><strong>Can I stop contributing to my VPF account monthly in the middle of the year? </strong><p class="text-base ">No, you will be unable to withdraw from the scheme in the middle of the year after your VPF account is created.聽聽</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the interest rate on VPF?","acceptedAnswer":{"@type":"Answer","text":"The current interest rate on VPF is <strong>8.25%.  </strong>."}},{"@type":"Question","name":"What is the maximum and minimum amount that can be invested in VPF?","acceptedAnswer":{"@type":"Answer","text":"Regarding investments, the VPF Limit has no upper or lower bound. Your individual monthly donations determine the same. Up to 100% of your monthly income (dearness allowance + pay) may be designated for a VPF contribution. Keep in mind that your employer is under no need to make contributions to your VPF account. As a result, the amount of money in your voluntarily provided fund account is directly influenced by the interest you earn on your monthly contributions during the investment. ."}},{"@type":"Question","name":"What is the difference between VPF and EPF?","acceptedAnswer":{"@type":"Answer","text":"EPF's extension is called VPF. A person must contribute 12% of their basic salary and Dearness Allowance to an EPF account. In a VPF, the maximum allowed voluntary contribution is 100%. ."}},{"@type":"Question","name":"How much amount can I withdraw as a loan against my VPF account?","acceptedAnswer":{"@type":"Answer","text":"Both partial and full withdrawals of the funds accumulated in the VPF account are possible. People who are moving occupations are typically more likely to utilise their earnings from their voluntary retirement accounts. Note that the accumulated funds may be liable to taxes if this activity is done before the account in question has existed for five years. ."}},{"@type":"Question","name":"Who are the ideal candidates for a VPF account?","acceptedAnswer":{"@type":"Answer","text":"Anyone who is looking to invest in a long-term financial instrument is an ideal candidate. VPF accounts are best suited for people who are nearing retirement and/or are looking out for a robust, safe and scalable pension fund option."}},{"@type":"Question","name":"If I find a new job, will my VPF account be affected? ","acceptedAnswer":{"@type":"Answer","text":"Your Aadhar Card is linked to your VPF account. Thus, moving your account from one employer to another is a simple process."}},{"@type":"Question","name":"Can I stop contributing to my VPF account monthly in the middle of the year? ","acceptedAnswer":{"@type":"Answer","text":"No, you will be unable to withdraw from the scheme in the middle of the year after your VPF account is created.  ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2"></h2><div class="flex flex-col gap-2.5"></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-secondary-light mt-4"><div class="p-2.5"><div style="overflow:hidden;padding-bottom:10px"><h3 class="text-md font-bold pb-1.5">About the Author</h3><div style="float:left"><img src="https://static.bankbazaar.com/images/common/author_annie.j_female.webp" alt="Anni Jangam" title="Anni Jangam" loading="lazy" style="max-width:100%;display:inline;border-radius:100%;width:80px"/><p class="text-sm font-bold inline pl-1.5">Anni Jangam</p></div><a style="float:right" target="_blank" href="https://in.linkedin.com/in/anniejangam" rel="noreferrer"><span class="relative flex h-10 w-10 shrink-0 overflow-hidden rounded-full border justify-center items-center bg-white"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-linkedin"><path d="M16 8a6 6 0 0 1 6 6v7h-4v-7a2 2 0 0 0-2-2 2 2 0 0 0-2 2v7h-4v-7a6 6 0 0 1 6-6z"></path><rect width="4" height="12" x="2" y="9"></rect><circle cx="4" cy="4" r="2"></circle></svg></span></a></div><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. Her three-year experience in SEO-based content writing spans diverse topics. She combines her analytical skills with a talent for clear communication to simplify complex financial concepts. She delivers informative, engaging content with scientific precision and creative flair in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. Her research background demonstrates her dedication, attention to detail, and problem-solving skills, making her a valuable asset in the data-centric world of fintech.</p></td></tr></tbody></table></div></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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Credit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/best-co-branded-credit-cards-in-india.html" title="Co-Branded Credit Cards" aria-label="Co-Branded Credit Cards">Co-Branded Credit Cards</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Credit Score:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-score.html" title="Credit Score" aria-label="Credit Score">Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/experian.html" title="Experian" aria-label="Experian">Experian</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-score.html" title="CIBIL Score" aria-label="CIBIL Score">CIBIL Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-report.html" title="CIBIL Report" aria-label="CIBIL Report">CIBIL Report</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-score-calculation.html" title="CIBIL Score Calculation" aria-label="CIBIL Score Calculation">CIBIL Score Calculation</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/how-to-improve-cibil-credit-score.html" title="How to Improve Credit Score" aria-label="How to Improve Credit Score">How to Improve Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 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">Home Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-home-loan.html" title="Axis Home Loan" aria-label="Axis Home Loan">Axis Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li></ul></div></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/investment/" title="Investments" aria-label="Investments">Investments</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/money-management/" title="Money Management" aria-label="Money Management">Money Management</a></li></ul></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Others:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/tax.html" title="Income Tax" aria-label="Income Tax">Income Tax</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/ifsc-code.html" title="Bank IFSC Code" aria-label="Bank IFSC Code">Bank IFSC Code</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/indian-holiday-calendar.html" title="Indian Holidays" aria-label="Indian Holidays">Indian Holidays</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li></ul></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Mobile Apps:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Google play" target="_blank" aria-label="Google play"><img src="https://static.bankbazaar.com/images/download-android-application.svg" alt="Google play" title="Google play" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Apple Store" target="_blank" aria-label="Apple Store"><img src="https://static.bankbazaar.com/images/india/infographic/apple-store-button.svg" alt="Apple Store" title="Apple Store" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li></ul></div><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Contact Us:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="mailto:support@bankbazaar.com" title="support[at]bankbazaar[dot]com" aria-label="support[at]bankbazaar[dot]com"><span class="relative flex shrink-0 overflow-hidden rounded-full bg-white w-6 h-6 mr-1 items-center"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-mail h-4/5 text-base fill-gray"><rect width="20" height="16" x="2" y="4" rx="2"></rect><path d="m22 7-8.97 5.7a1.94 1.94 0 0 1-2.06 0L2 7"></path></svg></span>support[at]bankbazaar[dot]com</a></li></ul></div><div class="items-center flex flex-col 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{"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/vpf","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":17752,"author":{"image":{"src":"https://static.bankbazaar.com/images/common/author_annie.j_female.webp","alt":"Anni Jangam","title":"Anni Jangam","lazy":true},"description":[{"data":{"rows":[{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. Her three-year experience in SEO-based content writing spans diverse topics. She combines her analytical skills with a talent for clear communication to simplify complex financial concepts. She delivers informative, engaging content with scientific precision and creative flair in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. Her research background demonstrates her dedication, attention to detail, and problem-solving skills, making her a valuable asset in the data-centric world of fintech."},"type":"paragraph"}]}]}]},"type":"table"}],"socialLink":"https://in.linkedin.com/in/anniejangam","name":"Anni Jangam"},"topContent":[{"type":"header","data":{"text":"What is Voluntary Provident Fund (VPF)?","level":2}},{"type":"paragraph","data":{"text":"The \u003cstrong\u003eVoluntary Provident Fund\u003c/strong\u003e (VPF) allows employees to make additional contributions to their EPF account beyond the mandatory amount. Participation is optional, but it offers a safe, government-backed investment with an \u003cstrong\u003e8.25%\u003c/strong\u003e interest rate. Employees can contribute up to 100% of their basic salary and dearness allowance, boosting their retirement savings."}}],"showUpdatedOn":false,"showTOC":false,"hideOfferTable":true,"news":{"items":[]},"faqs":{"items":[{"answer":[{"type":"paragraph","data":{"text":"The current interest rate on VPF is \u003cstrong\u003e8.25%.\u0026nbsp;\u0026nbsp;\u003c/strong\u003e"}}],"question":"What is the interest rate on VPF?"},{"answer":[{"data":{"text":"Regarding investments, the VPF Limit has no upper or lower bound. Your individual monthly donations determine the same. Up to 100% of your monthly income (dearness allowance + pay) may be designated for a VPF contribution. Keep in mind that your employer is under no need to make contributions to your VPF account. As a result, the amount of money in your voluntarily provided fund account is directly influenced by the interest you earn on your monthly contributions during the investment. "},"type":"paragraph"}],"question":"What is the maximum and minimum amount that can be invested in VPF?"},{"answer":[{"data":{"text":"EPF's extension is called VPF. A person must contribute 12% of their basic salary and Dearness Allowance to an EPF account. In a VPF, the maximum allowed voluntary contribution is 100%.\u0026nbsp;"},"type":"paragraph"}],"question":"What is the difference between VPF and EPF?"},{"answer":[{"data":{"text":"Both partial and full withdrawals of the funds accumulated in the VPF account are possible. People who are moving occupations are typically more likely to utilise their earnings from their voluntary retirement accounts. Note that the accumulated funds may be liable to taxes if this activity is done before the account in question has existed for five years. "},"type":"paragraph"}],"question":"How much amount can I withdraw as a loan against my VPF account?"},{"answer":[{"data":{"text":"Anyone who is looking to invest in a long-term financial instrument is an ideal candidate. VPF accounts are best suited for people who are nearing retirement and/or are looking out for a robust, safe and scalable pension fund option."},"type":"paragraph"}],"question":"Who are the ideal candidates for a VPF account?"},{"answer":[{"data":{"text":"Your Aadhar Card is linked to your VPF account. Thus, moving your account from one employer to another is a simple process."},"type":"paragraph"}],"question":"If I find a new job, will my VPF account be affected? "},{"answer":[{"data":{"text":"No, you will be unable to withdraw from the scheme in the middle of the year after your VPF account is created.\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}],"question":"Can I stop contributing to my VPF account monthly in the middle of the year? "}],"title":"FAQs on VPF - Voluntary Provident Fund"},"hungryForMore":[{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Overview of Voluntary Provident Fund (VPF)","level":2}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/voluntary-provident-fund.webp","alt":"Voluntary Provident Fund","title":"Voluntary Provident Fund","width":400,"height":250}},{"type":"list","data":{"style":"unordered","items":[{"content":"Risks of investing are minimal","items":[]},{"content":"Easy to transfer the amount in case of a job change","items":[]},{"content":"Easy to open a VPF account\u003cbr\u003e","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Tenure"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to retirement or resignation"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest rate"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.25%"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Investment Amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Depends on the employee"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Maturity Amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Depends on the investment amount"},"type":"paragraph"}]}]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752","linkText":"Check Your Credit Score Now"}},{"type":"paragraph","data":{"text":"Under the \u003cstrong\u003eVPF\u003c/strong\u003e scheme, employees can voluntarily contribute to their provident fund account. The scheme is also called the Voluntary Retirement Fund scheme. "}},{"type":"paragraph","data":{"text":"The scheme does not include the mandatory 12% that the employee makes towards the Employees' Provident Fund (\u003ca href=\"/saving-schemes/epf.html\" target=\"_blank\"\u003eEPF\u003c/a\u003e)."}},{"type":"paragraph","data":{"text":"Employees can contribute up to 100% of their \u003ca href=\"/tax/basic-salary.html\" target=\"_blank\"\u003ebasic salary\u003c/a\u003e and \u003ca href=\"/tax/dearness-allowance.html\" target=\"_blank\"\u003edearness allowance\u003c/a\u003e towards the scheme. The \u003ca href=\"/saving-schemes/vpf-interest-rate.html\" target=\"_blank\"\u003eVPF interest rate\u003c/a\u003e is similar to the EPF scheme. It is not mandatory for employers or employees to contribute to the VPF. "}},{"type":"paragraph","data":{"text":"However, the scheme has a lock-in period of 5 years. The rate of interest of VPF is decided by the Government of India on a yearly basis."}},{"type":"header","data":{"text":"VPF Eligibility","level":2}},{"type":"paragraph","data":{"text":"Since the \u003cstrong\u003eVPF\u003c/strong\u003e scheme is an extension of the EPF, only salaried employees who receive payments monthly in their salary accounts can invest in it."}},{"type":"header","data":{"text":"Documents Required to Open a VPF account","level":2}},{"type":"paragraph","data":{"text":"The below-mentioned documents must be submitted in order for employees to open a VPF account:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The company registration certificate with the Ministry of Finance (MoF) must be submitted.","items":[]},{"content":"Form 24 and Form 49 must be submitted.","items":[]},{"content":"In case the organisation is an 'Sdn Bhd', the memorandum and articles of association must be submitted.","items":[]},{"content":"The company profile in details must be given.","items":[]},{"content":"The business registration certificate must be submitted.","items":[]}]}},{"type":"paragraph","data":{"text":"Employees can check with their employer if any further documents need to be submitted to open a VPF account."}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Benefits of VPF","level":2}},{"type":"paragraph","data":{"text":"The VPF account comes under the Exempt-Exempt-Exempt (EEE) category. Therefore, employees can enjoy \u003ca href=\"/tax.html\" target=\"_blank\"\u003etax \u003c/a\u003ebenefits and earn a large amount of money in the long-run by investing in the VPF. The main benefits of a VPF account are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eSafe option to invest:\u003c/strong\u003e There are no dangers associated with investing in the scheme because it is run by the Indian government. It is quite safe to invest in a VPF account as opposed to other long-term investment options provided by commercial companies. ","items":[]},{"content":"\u003cstrong\u003eHigh rate of interest:\u0026nbsp;\u003c/strong\u003eUnder the VPF scheme, the rate of interest is \u003cstrong\u003e8.15%\u003c/strong\u003e p.a. The interest that is generated from the contributions is also\u003ca href=\"/tax/tax-exemption.html\" target=\"_blank\"\u003e exempt from tax\u003c/a\u003e.","items":[]},{"content":"\u003cstrong\u003eApplication process is easy:\u003c/strong\u003e Opening a VPF account is a fairly easy process. Workers can request to start a VPF account by submitting the registration form to their employer's finance staff. The VPF account will function similarly to the current EPF account.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTransfer process is simple: \u003c/strong\u003eIn case employees change their jobs, it is very simple for them to transfer the VPF account of the old company to the new one.","items":[]}]}},{"type":"header","data":{"text":"Tax Benefits Under VPF","level":2}},{"type":"paragraph","data":{"text":"When it comes to various investment options in India, the \u003cstrong\u003eVPF\u003c/strong\u003e account is considered among the best. Under \u003ca href=\"/tax/deductions-under-80c.html\" target=\"_blank\"\u003eSection 80C\u003c/a\u003e of the\u003ca href=\"/tax/income-tax-act.html\" target=\"_blank\"\u003e Income Tax Act\u003c/a\u003e, 1961, employees are eligible for tax benefits of up to Rs.1.5 lakh. The interest that is generated from these contributions is also exempt from tax. However, in case the rate of interest is more than 9.50% p.a., the amount will be taxable."}},{"type":"header","data":{"text":"Interest Rate of\u0026nbsp; VPF","level":2}},{"type":"paragraph","data":{"text":"The rate of interest is set by the Indian Government and is revised on a yearly basis. The rate of interest for FY 2023-2024 is 8.25% p.a. which was the rate of interest previously. Investments towards a VPF account is viable because of its high rate of interest and tax benefits. Given below is the \u003ca href=\"/saving-schemes/ppf-vs-vpf.html\" target=\"_blank\"\u003ecomparison of the PPF and VPF\u003c/a\u003e interest rates:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Financial Year"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"PPF rate of interest p.a.(%)"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"VPF rate of interest p.a.(%)"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"2023-2024"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.10"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.25"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2021-2022"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.10"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.10"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2019-2020"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.10"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.5"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2018-2019"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.6 to 8"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.65"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2017-2018"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.6 to 8"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.55"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2016-2017"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8 to 8.1"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.8"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2015-2016"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.7"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.8"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2014-2015"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.7"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.75"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2013-2014"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.7"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.75"},"type":"paragraph"}]}]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17752\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17752","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Rules and Regulations of VPF","level":2}},{"type":"image","data":{"alt":"VPF","title":"VPF","height":250,"width":400,"src":"https://static.bankbazaar.com/images/india/infographic/vpf.webp","lazy":true,"float":"right"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe \u003ca href=\"/saving-schemes/vpf-rules-and-guidelines.html\" target=\"_blank\"\u003erules and regulations of VPF\u003c/a\u003e account are mentioned below:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"When compared to an EPF account, employees are allowed to contribute 100% of their basic salary and dearness allowance towards a VPF account.","items":[]},{"content":"It is not compulsory for employees to contribute to a \u003cstrong\u003eVPF\u003c/strong\u003e account.","items":[]},{"content":"The Indian Government decides the rate of interest of a VPF account at the start of the financial year. The rate could increase or decrease when compared to previous years.","items":[]},{"content":"The full amount available at maturity can be withdrawn at the time of resignation or retirement. Individuals can also transfer their VPF amount from the previous employer to the current one. In case the account holder passes away, the legal heir or the nominee will receive the total amount that has been accumulated.","items":[]},{"content":"Only individuals who work for companies that come under the\u003ca href=\"https://www.bankbazaar.com/saving-schemes/epf.html\" target=\"_blank\"\u003e Employees' Provident Fund Organisation \u003c/a\u003e(EPFO) and have an \u003ca href=\"https://www.bankbazaar.com/saving-schemes/what-is-pf-provident-fund.html\" target=\"_blank\"\u003eEPF account\u003c/a\u003e are eligible to open a VPF account. Individuals who work for unorganised sectors are not allowed to open a VPF account.","items":[]},{"content":"Individuals can open a \u003cstrong\u003eVPF\u003c/strong\u003e account at any given time during the financial year. Investments made into the account cannot be stopped for 5 years. ","items":[]},{"content":"Partial withdrawals in the form of loans can be made against the VPF account. In case the amount is withdrawn before the maturity period, the withdrawn sum is taxable.","items":[]}]}},{"type":"header","data":{"text":"Process to Withdraw Money from VPF Account","level":2}},{"type":"paragraph","data":{"text":"In case of financial requirements due to medical emergencies, withdrawing money from a VPF account could come in handy. Employees must fill up Form-31 and give a request letter in writing for VPF withdrawal. Employees will be able to get the \u003ca href=\"/saving-schemes/epf-form-31.html\" target=\"_blank\"\u003eForm-31\u003c/a\u003e from their employer's Human Resource (HR) team or on the government's portal. All required documents, including the details of the employee such as \u003ca href=\"/saving-schemes/all-about-the-employee-pf-account-number.html\" target=\"_blank\"\u003ePF number\u003c/a\u003e, postal address, and bank details must be submitted. A cancelled \u003ca href=\"/ifsc/know-your-cheque.html\" target=\"_blank\"\u003echeque\u003c/a\u003e must also be submitted. All documents that are submitted must be self-attested."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eIn case of unforeseen financial emergencies, employees can withdraw from the VPF account.\u0026nbsp;\u0026nbsp;Some of the reasons where the VPF can be broken are mentioned below:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"In case medical bills of the account holder or his/her children need to be paid.","items":[]},{"content":"For the marriage or higher-education of the account holder.","items":[]},{"content":"To buy new land or a house or for the construction of the house.","items":[]}]}},{"type":"jumbotron","data":{"title":"Topics on VPF ","elements":[{"type":"list","data":{"style":"unordered","items":[{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/vpf-interest-rate.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eVPF Interest Rate\u003c/a\u003e\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/voluntary-provident-fund-limit.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eVPF Limits\u003c/a\u003e\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/voluntary-provident-fund-form.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eVPF Form\u003c/a\u003e\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/vpf-rules-and-guidelines.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eVPF Rules \u0026amp; Guidelines\u003c/a\u003e\u0026nbsp;","items":[]}]}}]}},{"type":"references","data":{"items":[{"items":[{"text":"VPF Interest Rate","link":"/saving-schemes/vpf-interest-rate.html"},{"text":"VPF Limit","link":"/saving-schemes/voluntary-provident-fund-limit.html"},{"text":"VPF Form","link":"/saving-schemes/voluntary-provident-fund-form.html"},{"text":"VPF rules","link":"/saving-schemes/vpf-rules-and-guidelines.html"},{"text":"PPF vs VPF","link":"/saving-schemes/ppf-vs-vpf.html"},{"text":"EPFO","link":"/saving-schemes/epf.html"},{"text":"PF Status Online","link":"/saving-schemes/how-to-check-pf-status-online.html"},{"text":"UAN","link":"/saving-schemes/uan.html"},{"text":"EPF Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html"},{"text":"PF Passbook","link":"/saving-schemes/epf-e-passbook.html"},{"text":"EPFO Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html"}],"title":"Top Pages of VPF"},{"items":[{"text":"PPF","link":"/saving-schemes/ppf.html"},{"text":"NPS","link":"/saving-schemes/nps.html"},{"text":"NPS Calculator","link":"/saving-schemes/nps-calculator.html"},{"text":"SSY Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html"},{"text":"Sukanya Samriddhi Yojana","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html"},{"text":"NSC","link":"/saving-schemes/nsc.html"},{"text":"SCSS","link":"/saving-schemes/senior-citizen-saving-scheme.html"},{"text":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html"},{"text":"Pradhan Mantri Jan dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html"},{"text":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html"},{"text":"Post Office Savings Account","link":"/saving-schemes/post-office-savings-account.html"}],"title":"Popular Pages of Saving Schemes"}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17752\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17752","linkText":"Check Your Credit Score Now"}}],"breadCrumb":{"currentPageText":"VPF","otherLinks":[{"link":"/saving-schemes.html","text":"Saving Schemes"}]},"hideUserReviews":true,"hideEligForm":true,"metaDescription":"Voluntary Provident Fund(VPF) - Know about Interest Rates, Eligibility, Tax Benefits and the Rules for Opening a VPF Account.","h1Title":"VPF - Voluntary Provident Fund 2024","metaTitle":"VPF - Voluntary Provident Fund Benefits \u0026 Interest Rate 2024","metaKeyword":"VPF, Voluntary Provient Fund, VPF Rules","interLinks":{"asLeftNav":true,"items":[{"title":"Important pages from Saving Schemes","items":[{"title":"Employee Provident Fund","link":"/saving-schemes/epf.html","text":"EPF"},{"title":"Employee Provident Fund Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html","text":"EPF Balance"},{"title":"Provident Fund Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html","text":"PF Withdrawal Rules"},{"title":"Employee Provident Fund Passbook","link":"/saving-schemes/epf-e-passbook.html","text":"EPF Passbook"},{"title":"Provident Fund Status","link":"/saving-schemes/how-to-check-pf-status-online.html","text":"PF Status"},{"title":"PF Claim Status","link":"/saving-schemes/all-about-epf-claim-status.html","text":"EPF Claim Status"},{"title":"Universal Account Number","link":"/saving-schemes/uan.html","text":"UAN"},{"title":"Universal Account Number Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html","text":"UAN Registration"},{"title":"Universal Account Number Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html","text":"UAN Login"},{"title":"Employee Provident Fund Organization Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html","text":"EPFO Login"},{"title":"PF Balance Number","link":"/saving-schemes/how-to-check-epf-balance-sms.html","text":"PF Balance Number"},{"title":"Public Provident Fund","link":"/saving-schemes/ppf.html","text":"PPF"},{"title":"National Pension Scheme","link":"/saving-schemes/nps.html","text":"NPS"},{"title":"National Pension Scheme Calculator","link":"/saving-schemes/nps-calculator.html","text":"NPS Calculator"},{"title":"Sukanya Samriddhi Yojana Account","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html","text":"Sukanya Samriddhi Yojana Account"},{"title":"Sukanya Samriddhi Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html","text":"Sukanya Samriddhi Calculator"},{"title":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html","text":"Atal Pension Yojana"},{"title":"Pradhan Mantri Jan Dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html","text":"PMJDY"},{"title":"Zero Balance Account through PM Jan Dhan Yojana","link":"/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html","text":"Zero Balance Account through PMJDY"},{"title":"Pradhan Mantri Vaya Vandana Yojana","link":"/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html","text":"PMVVY"},{"title":"Voluntary Provident Fund","link":"/saving-schemes/vpf.html","text":"VPF"},{"title":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html","text":"Kisan Vikas Patra"},{"title":"Senior Citizen Savings Scheme","link":"/saving-schemes/senior-citizen-saving-scheme.html","text":"SCSS"},{"title":"National Savings Certificate","link":"/saving-schemes/nsc.html","text":"NSC"}]}]},"updatedOn":"24 Nov 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"saving-schemes/vpf","productType":"ALL","categoryType":"SAVING_SCHEME","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-f1a2314f.js"; import * as route0 from "/lp-assets/root-DJnZuezO.js"; import * as route1 from "/lp-assets/route-BAfJONhu.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-DcW77Zik.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 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