LatestCorporate Compliance 15 October 2026
EPF vs PPF: 20-Year Earnings Gap Explained
Comparing India’s EPF and PPF over 20 years shows a clear earnings edge for the PPF, now at a 7.1% annual rate for Oct‑Dec 2026, while EPF returns remain lower. With a ₹1.5 Lakh yearly cap, the PPF can generate about ₹2 crore more than EPF, highlighting the benefit of the higher‑yield scheme.
EPF vs PPF: 20‑Year Earnings Gap
- PPF interest rate rises to 7.1% for Oct‑Dec 2026, beating the EPF’s lower statutory return.
- Both schemes limit contributions to ₹1.5 Lakh per year.
- Over 20 years, the PPF can produce roughly ₹2 crore more than the EPF, making it the higher‑yield option.
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