EPF or PPF - Which one should you invest in 2026? |

Описание: Employee Provident Fund (EPF) and the Public Provident Fund (PPF) as primary tools for retirement savings in India. While the EPF is a mandatory, high-yield scheme for salaried employees at registered companies, the PPF serves as a flexible, long-term alternative available to all citizens, including the self-employed. Both options offer tax-free returns and guaranteed interest rates, though the EPF typically provides a higher percentage than the PPF. Key differences involve contribution structures, where employers match EPF inputs, and liquidity rules, as PPF carries a strict fifteen-year lock-in period.