PPF and EPF, side by side
EPF is a workplace retirement scheme funded by you and your employer. PPF is a voluntary long-term government savings account open to anyone. Both are low-risk, tax-advantaged and long-dated, and together they form the retirement base of most salaried Indian households.
What it means
EPF is a workplace retirement scheme funded by you and your employer. PPF is a voluntary long-term government savings account open to anyone.
Why it matters to a household
Both are low-risk, tax-advantaged and long-dated, and together they form the retirement base of most salaried Indian households.
Where it trips people up
Withdrawing EPF when changing jobs. Transferring preserves both the balance and the continuous service that determines later benefits.
In an Indian household
PPF runs for fifteen years and can be extended in blocks. Treat both as retirement money, not as a savings account with a good rate.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
PPF and EPF, side by side
EPF is a workplace retirement scheme funded by you and your employer. PPF is a voluntary long-term government savings account open to anyone.
Why does it matter?
Both are low-risk, tax-advantaged and long-dated, and together they form the retirement base of most salaried Indian households.
What do people usually get wrong?
Withdrawing EPF when changing jobs. Transferring preserves both the balance and the continuous service that determines later benefits.
Is there anything India-specific?
PPF runs for fifteen years and can be extended in blocks. Treat both as retirement money, not as a savings account with a good rate.