What is Voluntary Provident Fund (VPF)? Which is better between VPF & PPF (6 point difference)

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Күн бұрын

Voluntary Provident Fund (VPF) is a powerful tool for salaried individuals to boost their retirement savings. It allows you to contribute additional funds beyond the mandatory EPF contribution, offering higher interest rates compared to PPF. Wondering if it's right for you? In this video, we have discussed - What is VPF and how it works?, VPF vs. PPF: A head-to-head comparison and in the end also talked about Which option is best for YOU? in Hindi. By understanding the nuances of VPF and its comparison with PPF, you can make a well-informed decision about your retirement planning. VPF and PPF are valuable tools for building a secure financial future. Carefully assess your needs and choose the option that best aligns with your financial goals.
Time Stamps
00:00 Introduction
00:45 What is a Voluntary Provident Fund?
02:00 Example of Voluntary Provident Fund?
03:27 Comparing Voluntary Provident Fund with Public Provident Fund
03:40 1. Eligibility
04:00 2. Contribution
04:34 3. Lock-in Period
05:00 4. Returns
05:18 5. Withdrawal
05:40 6. Taxability
08:20 Conclusion
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Пікірлер: 35

@anuragrajasingh 3 ай бұрын

Finally something that clearly demarcates the two and also puts forth a clear unambiguous suggestion.

@sujitmudi 5 ай бұрын

Ur conclusion makes all the doubts clear. Thanks!

@nagarajubandi3131 5 ай бұрын

Thank you so much madam Very important information with good explanation

@mamtanegi9696 2 ай бұрын

Best video I have come acrross till date...thanks

@mydigitalspace13 4 ай бұрын

This is a good video not only information wise but also its very captivating and engaging with all the animations and presentation skills ❤

@4335sanjay 5 ай бұрын

Thank you very much for the video please continue like this

@jitendermor3826 5 ай бұрын

U r wonderful presenter

@dhaval_sarmalkar Ай бұрын

Is VPF considered in taxable income for a salaried employee when opted for new Tax regime ?

@sadanand.adilkar 5 ай бұрын

Good to see you, here Aastha... I was wondering why you were not in YIA videos.

@sandeeponline3650 5 ай бұрын

It’s good deal to understand the concept in Hindi, pls provide all veracity module in Hindi also some module like personal finance part 2 is also not available in PDF or Hindi pls bring them as early as possible

@VMan448 4 ай бұрын

For NEW TAX EPF interest in not taxable?

@sandeeponline3650 5 ай бұрын

What form require for vpf

@Raj-ye4um Ай бұрын

VPF ka lockin 5yrs hai- withdrawal is allowed aftr that. Pls confirm

@riz00786 2 ай бұрын

Please publish video and content on EPS

@lizagautam6051 5 ай бұрын

Can we stop investment thru VPF after 5 years?

@sonuagarwal7745 5 ай бұрын

Good to know information. I believe we can continue with the 12% EPF and the amount intended to invest under VPF can ideally be invested via SIP into one of the Small Cap Fund is the investment is for a long term as the VPF returns will be lesser than the investment into SMALLCAP

@nvijay7785 2 ай бұрын

EEE is the main advantage of PFs

@Deepakkumar-yx4rd 6 күн бұрын

Mem mujhe vpf account close karna hai kaise hoga

@gaurav_shukla001 5 күн бұрын

1 thing in case you exhaust you 2.5 Lakh limit of your Vpf then go for PPF

@sumitkumar8005 Ай бұрын

Technically, Max you can contribute in VPF is not 100% but 88% because 12% is already blocked for EPF. :)

@soumik85 23 күн бұрын

She said 100% of basic + DA, which is correct. 88% is in excess of minimum 12%, which is also correct but it's not how she framed the sentence. She's not talking about exceeding, she said 'you can go to 100% of basic + DA' IIRC

@Richasharma-ke6kr 3 ай бұрын

Hi...if vpf contribution is 25k per month .and new tax regime is opted... Will tax be deducted on vpf contribution n interest??

@Richasharma-ke6kr 3 ай бұрын

Please reply

@rohithkumar6012 2 ай бұрын

12*25= 3lac, anything exceeding above 2.5lac for pf is taxable, the taxable amount is intrest earned on 50k in your case as it exceeds 2.5lacs

@nikhilberry903 2 ай бұрын

Hi I have a question if I add to VPF can I stop it next month or after a year or is it permanent once I start ?

@sandeepgoyal144 2 ай бұрын

It can be stopped anytime

@chetanbsonawane2 5 ай бұрын

Hey, have I seen you in Invest Yadnya videos before?

@sanketnegi1 21 күн бұрын

Isn't she Astha

@PrathamGupta2408 Ай бұрын

Hi, thanks for the video, it is great. However, I do have few questions: * When we change job, then do we need to transfer VPF account as well? * Can the VPF contribution % be changed with new employer? * Can VPF contribution % be changed each month? * Does the 5 year locking period reset on joining new company? * On changing job, is there an option to stop VPF contribution? * Post 5 years, is it mandatory to withdraw the VPF account? Or we can extend it till whenever we want?

@suranjabarat5457 24 күн бұрын

You have the option to change how much % of your basic salary you want to contribute in VPF. You can also stop the VPF request from your current company.