What are the historical returns of Voluntary Provident Fund (VPF)?

1-year returns: 8–12%, 3-year: 9–12%, 5-year: 9–12%. Past performance is not a guarantee of future results.

What is the minimum investment for Voluntary Provident Fund (VPF)?

Minimum ticket size: ₹500/month. ₹500/month minimum.

10. Retirement & Pension

Voluntary Provident Fund (VPF)

India - EPF/NPS

Optional additional contribution above mandatory EPF, earning the same guaranteed rate.

Risk Level

Low ★★☆☆☆

Liquidity

🔴 Low

Min Investment

₹500/month

Ticket Size

₹500/month minimum

Ideal Horizon

Till retirement

Region

India

📈 Historical Returns (Indicative)

1 Year

8–12%

3 Years

9–12%

5 Years

9–12%

10 Years

9–12%

20 Years

9–11%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Voluntary Provident Fund (VPF)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

✅ Low risk — capital largely protected

Disadvantages

❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Voluntary Provident Fund (VPF)

Research and compare options on Applica Finance
Open appropriate account (Demat, bank, or platform account)
Complete KYC with PAN and Aadhaar
Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

EEE: Contributions deductible u/s 80C, returns tax-free, maturity tax-free
Triple tax exemption — most tax-efficient instrument in India

Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.

← Back to All 502 Investments More Calculators →