Kalam Times

EPF vs VPF vs PPF vs NPS vs Mutual Fund SIP: Which Option Makes More Sense Beyond the 1,800 PF Contribution?

The notification of the Employees' Provident Fund (EPF) Scheme, 2026 has brought significant changes to India's retirement savings framework. Under the revised rules, the mandatory employee EPF contribution has been capped at 1,800 per month, while any contribution beyond this amount has become vol...