My PF is the min 1800/month. What difference would it make if I make PF to 12% of basic vs adding a VPF of 12%of basic.I do know that PF% increase will effectively raise my epfo contri to total of 24%(12%employer+12%employee). But are there any other factors that I need to be aware of?

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Posting as :
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You are currently posting as works at

EPF contribution is from both employer and employee side while VPF is only from employee side. Employer EPF contribution is not counted in taxable income while employee EPF and VPF are part of 80c deduction. Hence, VPF is used primarily for 8.5% interest tax free investment for retirement

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